Home > Lake City Bank > Performance and Condition Ratios
Lake City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 918 |
| Cost of funding earning assets | 2.4242% | 433 |
| Net interest margin | 3.2829% | 2,674 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 1.9809% | 3,678 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4773% | 1,061 |
| Return on assets (ROA) | 1.4779% | 1,034 |
| Pretax return on assets | 1.7647% | 934 |
| Return on Equity (ROE) | 16.6100% | 1,002 |
| Retained earnings to average equity (ytd only) | 8.5479% | 1,380 |
| Net charge-offs to loans | 0.1344% | 741 |
| Credit loss provision to net charge-offs | 90.2221% | 1,948 |
| Earnings coverage of net charge-offs (x) | 18.4436% | 1,934 |
| Efficiency ratio | 51.6461% | 3,864 |
| Assets per employee ($millions) | 10.5317% | 612 |
| Cash dividends to net income (ytd only)* | 48.5471% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,164 |
| Loan loss allowance to noncurrent loans | 458.0994% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 1,975 |
| Noncurrent loans to loans | 0.3195% | 2,041 |
| Net loans and leases to total assets | 74.3300% | 1,309 |
| Net loans and leases to deposits | 84.4825% | 1,738 |
| Net loans and leases to core deposits | 93.5805% | 1,797 |
| Total domestic deposits to total assets | 87.9800% | 1,368 |
| Equity capital to assets | 9.6911% | 2,207 |
| Core capital (leverage) ratio | 11.5834% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1574% | 1,494 |
| Memoranda: | ||
| Average total assets | $6,447,969,600 | 230 |
| Average earning assets | $6,032,115,400 | 219 |
| Average equity | $573,612,600 | 240 |
| Average total loans | $4,823,795,000 | 207 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 899 |
| Cost of funding earning assets | 2.3036% | 404 |
| Net interest margin | 3.3082% | 2,665 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.0744% | 3,413 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3347% | 1,462 |
| Return on assets (ROA) | 1.3346% | 1,445 |
| Pretax return on assets | 1.5739% | 1,414 |
| Return on Equity (ROE) | 15.3500% | 1,388 |
| Retained earnings to average equity (ytd only) | 6.2423% | 2,554 |
| Net charge-offs to loans | 0.1681% | 510 |
| Credit loss provision to net charge-offs | 91.7204% | 1,684 |
| Earnings coverage of net charge-offs (x) | 13.4626% | 2,035 |
| Efficiency ratio | 55.1183% | 3,477 |
| Assets per employee ($millions) | 10.4476% | 585 |
| Cash dividends to net income (ytd only)* | 59.3329% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,161 |
| Loan loss allowance to noncurrent loans | 442.1178% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 1,965 |
| Noncurrent loans to loans | 0.3348% | 2,030 |
| Net loans and leases to total assets | 74.8200% | 1,260 |
| Net loans and leases to deposits | 84.6902% | 1,676 |
| Net loans and leases to core deposits | 95.1862% | 1,603 |
| Total domestic deposits to total assets | 88.3400% | 1,465 |
| Equity capital to assets | 8.3558% | 2,824 |
| Core capital (leverage) ratio | 11.3491% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7724% | 1,641 |
| Memoranda: | ||
| Average total assets | $6,430,185,250 | 232 |
| Average earning assets | $6,012,995,500 | 223 |
| Average equity | $559,072,250 | 246 |
| Average total loans | $4,800,320,750 | 211 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 899 |
| Cost of funding earning assets | 2.1133% | 402 |
| Net interest margin | 3.3363% | 2,669 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.2723% | 2,885 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.1674% | 1,917 |
| Return on assets (ROA) | 1.1677% | 1,912 |
| Pretax return on assets | 1.3574% | 1,926 |
| Return on Equity (ROE) | 13.2600% | 1,847 |
| Retained earnings to average equity (ytd only) | 4.0172% | 3,206 |
| Net charge-offs to loans | 0.2386% | 347 |
| Credit loss provision to net charge-offs | 90.3826% | 1,502 |
| Earnings coverage of net charge-offs (x) | 8.5670% | 2,054 |
| Efficiency ratio | 59.9651% | 2,964 |
| Assets per employee ($millions) | 10.2818% | 618 |
| Cash dividends to net income (ytd only)* | 69.7000% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,234 |
| Loan loss allowance to noncurrent loans | 400.0555% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 1,787 |
| Noncurrent loans to loans | 0.3703% | 1,815 |
| Net loans and leases to total assets | 73.7400% | 1,323 |
| Net loans and leases to deposits | 88.2448% | 1,321 |
| Net loans and leases to core deposits | 95.0876% | 1,512 |
| Total domestic deposits to total assets | 83.5600% | 2,919 |
| Equity capital to assets | 8.7979% | 2,663 |
| Core capital (leverage) ratio | 11.2668% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5792% | 1,706 |
| Memoranda: | ||
| Average total assets | $6,435,311,667 | 226 |
| Average earning assets | $6,024,488,000 | 219 |
| Average equity | $566,760,000 | 237 |
| Average total loans | $4,776,582,000 | 206 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 831 |
| Cost of funding earning assets | 1.8471% | 411 |
| Net interest margin | 3.4512% | 2,494 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 1.7169% | 4,176 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.5554% | 1,070 |
| Return on assets (ROA) | 1.5561% | 1,062 |
| Pretax return on assets | 1.8795% | 937 |
| Return on Equity (ROE) | 17.6600% | 1,072 |
| Retained earnings to average equity (ytd only) | 6.3676% | 2,669 |
| Net charge-offs to loans | 0.4852% | 170 |
| Credit loss provision to net charge-offs | 75.7708% | 1,225 |
| Earnings coverage of net charge-offs (x) | 5.9967% | 1,795 |
| Efficiency ratio | 44.3963% | 4,289 |
| Assets per employee ($millions) | 10.3317% | 627 |
| Cash dividends to net income (ytd only)* | 63.9425% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,268 |
| Loan loss allowance to noncurrent loans | 401.4601% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,749 |
| Noncurrent loans to loans | 0.3730% | 1,817 |
| Net loans and leases to total assets | 73.2400% | 1,295 |
| Net loans and leases to deposits | 84.8555% | 1,438 |
| Net loans and leases to core deposits | 91.0282% | 1,563 |
| Total domestic deposits to total assets | 86.3200% | 2,500 |
| Equity capital to assets | 9.0622% | 2,466 |
| Core capital (leverage) ratio | 11.2540% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8369% | 1,670 |
| Memoranda: | ||
| Average total assets | $6,403,931,500 | 234 |
| Average earning assets | $5,998,744,000 | 228 |
| Average equity | $564,294,000 | 243 |
| Average total loans | $4,733,094,000 | 212 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 1,785 |
| Cost of funding earning assets | 0.6072% | 872 |
| Net interest margin | 3.3651% | 2,363 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 1.6177% | 4,286 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.6890% | 548 |
| Return on assets (ROA) | 1.6880% | 523 |
| Pretax return on assets | 2.0643% | 410 |
| Return on Equity (ROE) | 18.8600% | 592 |
| Retained earnings to average equity (ytd only) | 11.7822% | 716 |
| Net charge-offs to loans | 0.1019% | 726 |
| Credit loss provision to net charge-offs | 206.4069% | 1,100 |
| Earnings coverage of net charge-offs (x) | 31.1973% | 1,660 |
| Efficiency ratio | 42.2421% | 4,483 |
| Assets per employee ($millions) | 10.5296% | 576 |
| Cash dividends to net income (ytd only)* | 37.5375% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,092 |
| Loan loss allowance to noncurrent loans | 424.9195% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 1,816 |
| Noncurrent loans to loans | 0.3627% | 1,834 |
| Net loans and leases to total assets | 72.3300% | 1,383 |
| Net loans and leases to deposits | 84.9321% | 1,396 |
| Net loans and leases to core deposits | 89.3536% | 1,539 |
| Total domestic deposits to total assets | 85.1600% | 2,952 |
| Equity capital to assets | 8.5618% | 2,664 |
| Core capital (leverage) ratio | 11.2237% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7400% | 1,716 |
| Memoranda: | ||
| Average total assets | $6,406,113,400 | 225 |
| Average earning assets | $6,040,748,600 | 214 |
| Average equity | $573,253,400 | 248 |
| Average total loans | $4,456,057,800 | 211 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 2,272 |
| Cost of funding earning assets | 0.4002% | 1,287 |
| Net interest margin | 3.2241% | 2,554 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.6031% | 4,297 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7010% | 531 |
| Return on assets (ROA) | 1.6989% | 521 |
| Pretax return on assets | 2.0881% | 391 |
| Return on Equity (ROE) | 18.7800% | 547 |
| Retained earnings to average equity (ytd only) | 11.6497% | 876 |
| Net charge-offs to loans | 0.0289% | 1,255 |
| Credit loss provision to net charge-offs | 43.8486% | 1,552 |
| Earnings coverage of net charge-offs (x) | 106.0421% | 924 |
| Efficiency ratio | 43.2975% | 4,485 |
| Assets per employee ($millions) | 10.4545% | 570 |
| Cash dividends to net income (ytd only)* | 37.9732% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,296 |
| Loan loss allowance to noncurrent loans | 678.0175% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 2,489 |
| Noncurrent loans to loans | 0.2208% | 2,505 |
| Net loans and leases to total assets | 70.5200% | 1,438 |
| Net loans and leases to deposits | 78.0827% | 1,696 |
| Net loans and leases to core deposits | 83.3942% | 1,697 |
| Total domestic deposits to total assets | 90.3200% | 1,517 |
| Equity capital to assets | 7.9599% | 2,920 |
| Core capital (leverage) ratio | 11.1186% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0340% | 1,704 |
| Memoranda: | ||
| Average total assets | $6,404,508,000 | 225 |
| Average earning assets | $6,052,215,000 | 217 |
| Average equity | $579,309,000 | 247 |
| Average total loans | $4,392,384,250 | 212 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 2,633 |
| Cost of funding earning assets | 0.2649% | 2,092 |
| Net interest margin | 3.0676% | 2,658 |
| Noninterest income to average assets | 0.6595% | 1,501 |
| Noninterest expense to average assets | 1.5777% | 4,333 |
| Loan and lease loss provision to assets | 0.0129% | 2,362 |
| Net operating income to assets | 1.6085% | 540 |
| Return on assets (ROA) | 1.6068% | 522 |
| Pretax return on assets | 1.9753% | 403 |
| Return on Equity (ROE) | 17.0983% | 558 |
| Retained earnings to average equity (ytd only) | 9.9680% | 1,032 |
| Net charge-offs to loans | 0.0306% | 1,110 |
| Credit loss provision to net charge-offs | 62.5187% | 1,451 |
| Earnings coverage of net charge-offs (x) | 96.2039% | 837 |
| Efficiency ratio | 44.2202% | 4,517 |
| Assets per employee ($millions) | 10.3124% | 603 |
| Cash dividends to net income (ytd only)* | 41.7017% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,343 |
| Loan loss allowance to noncurrent loans | 535.9394% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,292 |
| Noncurrent loans to loans | 0.2846% | 2,324 |
| Net loans and leases to total assets | 69.7651% | 1,315 |
| Net loans and leases to deposits | 77.5285% | 1,572 |
| Net loans and leases to core deposits | 82.9986% | 1,522 |
| Total domestic deposits to total assets | 89.9864% | 1,714 |
| Equity capital to assets | 8.6742% | 2,633 |
| Core capital (leverage) ratio | 10.5763% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8830% | 1,738 |
| Memoranda: | ||
| Average total assets | $6,448,435,667 | 223 |
| Average earning assets | $6,113,709,000 | 218 |
| Average equity | $605,977,000 | 233 |
| Average total loans | $4,359,535,000 | 209 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 3,002 |
| Cost of funding earning assets | 0.2025% | 2,764 |
| Net interest margin | 2.8890% | 2,875 |
| Noninterest income to average assets | 0.6495% | 1,495 |
| Noninterest expense to average assets | 1.5202% | 4,397 |
| Loan and lease loss provision to assets | 0.0255% | 1,906 |
| Net operating income to assets | 1.5071% | 623 |
| Return on assets (ROA) | 1.5067% | 612 |
| Pretax return on assets | 1.8522% | 491 |
| Return on Equity (ROE) | 15.4651% | 588 |
| Retained earnings to average equity (ytd only) | 7.9394% | 1,603 |
| Net charge-offs to loans | 0.0614% | 702 |
| Credit loss provision to net charge-offs | 62.8012% | 1,158 |
| Earnings coverage of net charge-offs (x) | 46.3027% | 950 |
| Efficiency ratio | 44.7331% | 4,536 |
| Assets per employee ($millions) | 11.2040% | 480 |
| Cash dividends to net income (ytd only)* | 48.6620% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,400 |
| Loan loss allowance to noncurrent loans | 485.1703% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 2,354 |
| Noncurrent loans to loans | 0.3195% | 2,324 |
| Net loans and leases to total assets | 65.4288% | 1,466 |
| Net loans and leases to deposits | 73.6714% | 1,638 |
| Net loans and leases to core deposits | 79.1173% | 1,544 |
| Total domestic deposits to total assets | 88.8116% | 2,164 |
| Equity capital to assets | 8.9921% | 2,718 |
| Core capital (leverage) ratio | 10.2036% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8128% | 1,867 |
| Memoranda: | ||
| Average total assets | $6,548,008,000 | 226 |
| Average earning assets | $6,230,249,000 | 219 |
| Average equity | $637,928,500 | 231 |
| Average total loans | $4,325,630,000 | 207 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 3,190 |
| Cost of funding earning assets | 0.2584% | 2,828 |
| Net interest margin | 3.0489% | 3,051 |
| Noninterest income to average assets | 0.7169% | 1,700 |
| Noninterest expense to average assets | 1.5960% | 4,433 |
| Loan and lease loss provision to assets | 0.0175% | 2,724 |
| Net operating income to assets | 1.6130% | 773 |
| Return on assets (ROA) | 1.6242% | 793 |
| Pretax return on assets | 2.0149% | 587 |
| Return on Equity (ROE) | 15.1555% | 919 |
| Retained earnings to average equity (ytd only) | 7.9813% | 1,551 |
| Net charge-offs to loans | 0.0853% | 952 |
| Credit loss provision to net charge-offs | 28.6284% | 2,241 |
| Earnings coverage of net charge-offs (x) | 33.0484% | 1,545 |
| Efficiency ratio | 44.1551% | 4,567 |
| Assets per employee ($millions) | 11.2400% | 477 |
| Cash dividends to net income (ytd only)* | 47.3375% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,309 |
| Loan loss allowance to noncurrent loans | 449.1252% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 2,392 |
| Noncurrent loans to loans | 0.3513% | 2,323 |
| Net loans and leases to total assets | 64.6247% | 1,634 |
| Net loans and leases to deposits | 73.6988% | 1,744 |
| Net loans and leases to core deposits | 79.2160% | 1,660 |
| Total domestic deposits to total assets | 87.6876% | 2,203 |
| Equity capital to assets | 10.4941% | 2,180 |
| Core capital (leverage) ratio | 10.4616% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0050% | 1,838 |
| Memoranda: | ||
| Average total assets | $6,159,275,800 | 224 |
| Average earning assets | $5,853,783,200 | 218 |
| Average equity | $660,070,000 | 228 |
| Average total loans | $4,411,509,200 | 205 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 3,208 |
| Cost of funding earning assets | 0.2736% | 2,857 |
| Net interest margin | 3.0902% | 3,079 |
| Noninterest income to average assets | 0.7491% | 1,675 |
| Noninterest expense to average assets | 1.6213% | 4,442 |
| Loan and lease loss provision to assets | 0.0237% | 2,522 |
| Net operating income to assets | 1.6406% | 933 |
| Return on assets (ROA) | 1.6555% | 952 |
| Pretax return on assets | 2.0551% | 726 |
| Return on Equity (ROE) | 15.3614% | 1,072 |
| Retained earnings to average equity (ytd only) | 7.5250% | 2,213 |
| Net charge-offs to loans | -0.0454% | 4,307 |
| Credit loss provision to net charge-offs | -71.1831% | 3,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0374% | 4,586 |
| Assets per employee ($millions) | 10.4856% | 559 |
| Cash dividends to net income (ytd only)* | 51.0134% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 1,073 |
| Loan loss allowance to noncurrent loans | 235.6691% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,520 |
| Noncurrent loans to loans | 0.7298% | 1,534 |
| Net loans and leases to total assets | 67.2474% | 1,403 |
| Net loans and leases to deposits | 77.0844% | 1,565 |
| Net loans and leases to core deposits | 83.6297% | 1,457 |
| Total domestic deposits to total assets | 87.2387% | 2,249 |
| Equity capital to assets | 10.7213% | 2,244 |
| Core capital (leverage) ratio | 10.6548% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1077% | 1,930 |
| Memoranda: | ||
| Average total assets | $6,063,675,500 | 227 |
| Average earning assets | $5,754,274,750 | 222 |
| Average equity | $653,465,750 | 230 |
| Average total loans | $4,440,558,750 | 207 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 3,294 |
| Cost of funding earning assets | 0.2892% | 2,881 |
| Net interest margin | 3.0663% | 3,126 |
| Noninterest income to average assets | 0.7653% | 1,632 |
| Noninterest expense to average assets | 1.6453% | 4,455 |
| Loan and lease loss provision to assets | -0.0074% | 4,401 |
| Net operating income to assets | 1.6374% | 971 |
| Return on assets (ROA) | 1.6597% | 989 |
| Pretax return on assets | 2.0656% | 733 |
| Return on Equity (ROE) | 15.3734% | 1,073 |
| Retained earnings to average equity (ytd only) | 6.3682% | 2,666 |
| Net charge-offs to loans | -0.0656% | 4,472 |
| Credit loss provision to net charge-offs | 15.0880% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7640% | 4,579 |
| Assets per employee ($millions) | 10.3693% | 550 |
| Cash dividends to net income (ytd only)* | 58.5766% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 1,182 |
| Loan loss allowance to noncurrent loans | 668.5280% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,010 |
| Noncurrent loans to loans | 0.2460% | 3,066 |
| Net loans and leases to total assets | 68.9377% | 1,333 |
| Net loans and leases to deposits | 79.4952% | 1,471 |
| Net loans and leases to core deposits | 87.5751% | 1,305 |
| Total domestic deposits to total assets | 86.7194% | 2,464 |
| Equity capital to assets | 10.6189% | 2,290 |
| Core capital (leverage) ratio | 10.3377% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7086% | 2,084 |
| Memoranda: | ||
| Average total assets | $6,015,738,333 | 228 |
| Average earning assets | $5,709,430,000 | 220 |
| Average equity | $649,446,000 | 228 |
| Average total loans | $4,504,937,333 | 204 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 3,115 |
| Cost of funding earning assets | 0.3064% | 2,921 |
| Net interest margin | 3.1257% | 2,913 |
| Noninterest income to average assets | 0.7860% | 1,620 |
| Noninterest expense to average assets | 1.7152% | 4,347 |
| Loan and lease loss provision to assets | 0.0999% | 1,350 |
| Net operating income to assets | 1.5560% | 1,205 |
| Return on assets (ROA) | 1.5976% | 1,182 |
| Pretax return on assets | 1.9835% | 974 |
| Return on Equity (ROE) | 14.6720% | 1,282 |
| Retained earnings to average equity (ytd only) | 1.5209% | 4,117 |
| Net charge-offs to loans | 0.0080% | 1,620 |
| Credit loss provision to net charge-offs | 1,623.0769% | 288 |
| Earnings coverage of net charge-offs (x) | 330.0879% | 276 |
| Efficiency ratio | 45.7720% | 4,480 |
| Assets per employee ($millions) | 10.2273% | 554 |
| Cash dividends to net income (ytd only)* | 89.6341% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 1,303 |
| Loan loss allowance to noncurrent loans | 612.7420% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,139 |
| Noncurrent loans to loans | 0.2609% | 3,173 |
| Net loans and leases to total assets | 73.6559% | 847 |
| Net loans and leases to deposits | 84.5423% | 1,092 |
| Net loans and leases to core deposits | 94.0043% | 983 |
| Total domestic deposits to total assets | 87.1231% | 2,267 |
| Equity capital to assets | 10.5818% | 2,186 |
| Core capital (leverage) ratio | 10.5373% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8207% | 1,956 |
| Memoranda: | ||
| Average total assets | $5,912,828,500 | 234 |
| Average earning assets | $5,601,865,000 | 222 |
| Average equity | $643,838,000 | 225 |
| Average total loans | $4,577,049,000 | 203 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 3,213 |
| Cost of funding earning assets | 0.5925% | 2,365 |
| Net interest margin | 3.2384% | 3,255 |
| Noninterest income to average assets | 0.8652% | 1,363 |
| Noninterest expense to average assets | 1.6613% | 4,651 |
| Loan and lease loss provision to assets | 0.2760% | 1,387 |
| Net operating income to assets | 1.6035% | 631 |
| Return on assets (ROA) | 1.6095% | 682 |
| Pretax return on assets | 1.9944% | 459 |
| Return on Equity (ROE) | 13.9543% | 824 |
| Retained earnings to average equity (ytd only) | 8.7569% | 834 |
| Net charge-offs to loans | 0.0915% | 1,539 |
| Credit loss provision to net charge-offs | 367.9621% | 1,530 |
| Earnings coverage of net charge-offs (x) | 30.1659% | 1,610 |
| Efficiency ratio | 42.1375% | 4,829 |
| Assets per employee ($millions) | 9.9525% | 540 |
| Cash dividends to net income (ytd only)* | 37.2462% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,328 |
| Loan loss allowance to noncurrent loans | 507.4203% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,225 |
| Noncurrent loans to loans | 0.2597% | 3,264 |
| Net loans and leases to total assets | 78.9898% | 503 |
| Net loans and leases to deposits | 91.2969% | 833 |
| Net loans and leases to core deposits | 101.6689% | 830 |
| Total domestic deposits to total assets | 86.5197% | 2,135 |
| Equity capital to assets | 11.2055% | 2,094 |
| Core capital (leverage) ratio | 10.8766% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5594% | 2,026 |
| Memoranda: | ||
| Average total assets | $5,351,049,400 | 237 |
| Average earning assets | $5,054,555,600 | 231 |
| Average equity | $617,205,400 | 227 |
| Average total loans | $4,386,328,400 | 207 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,336 |
| Cost of funding earning assets | 0.6705% | 2,199 |
| Net interest margin | 3.2054% | 3,479 |
| Noninterest income to average assets | 0.8815% | 1,280 |
| Noninterest expense to average assets | 1.6610% | 4,666 |
| Loan and lease loss provision to assets | 0.3529% | 1,071 |
| Net operating income to assets | 1.5361% | 840 |
| Return on assets (ROA) | 1.5430% | 901 |
| Pretax return on assets | 1.9033% | 628 |
| Return on Equity (ROE) | 13.2724% | 1,037 |
| Retained earnings to average equity (ytd only) | 8.1076% | 1,268 |
| Net charge-offs to loans | 0.1160% | 1,198 |
| Credit loss provision to net charge-offs | 368.8415% | 1,549 |
| Earnings coverage of net charge-offs (x) | 23.4935% | 1,794 |
| Efficiency ratio | 42.2849% | 4,849 |
| Assets per employee ($millions) | 9.7077% | 559 |
| Cash dividends to net income (ytd only)* | 38.9142% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,076 |
| Loan loss allowance to noncurrent loans | 450.0778% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,188 |
| Noncurrent loans to loans | 0.2934% | 3,225 |
| Net loans and leases to total assets | 81.8906% | 443 |
| Net loans and leases to deposits | 95.2023% | 826 |
| Net loans and leases to core deposits | 111.5287% | 648 |
| Total domestic deposits to total assets | 86.0175% | 2,059 |
| Equity capital to assets | 11.4166% | 2,072 |
| Core capital (leverage) ratio | 11.0196% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8288% | 1,882 |
| Memoranda: | ||
| Average total assets | $5,233,255,000 | 239 |
| Average earning assets | $4,942,193,250 | 233 |
| Average equity | $608,405,000 | 226 |
| Average total loans | $4,317,817,000 | 208 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,254 |
| Cost of funding earning assets | 0.7777% | 1,950 |
| Net interest margin | 3.2513% | 3,518 |
| Noninterest income to average assets | 0.8482% | 1,290 |
| Noninterest expense to average assets | 1.6729% | 4,707 |
| Loan and lease loss provision to assets | 0.4717% | 800 |
| Net operating income to assets | 1.4454% | 1,030 |
| Return on assets (ROA) | 1.4455% | 1,117 |
| Pretax return on assets | 1.7732% | 856 |
| Return on Equity (ROE) | 12.3533% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.1909% | 1,577 |
| Net charge-offs to loans | 0.1768% | 846 |
| Credit loss provision to net charge-offs | 324.1361% | 1,561 |
| Earnings coverage of net charge-offs (x) | 15.4235% | 1,910 |
| Efficiency ratio | 42.5582% | 4,847 |
| Assets per employee ($millions) | 9.4682% | 592 |
| Cash dividends to net income (ytd only)* | 41.7898% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 1,952 |
| Loan loss allowance to noncurrent loans | 398.8309% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 3,209 |
| Noncurrent loans to loans | 0.3283% | 3,214 |
| Net loans and leases to total assets | 81.8467% | 431 |
| Net loans and leases to deposits | 95.6229% | 827 |
| Net loans and leases to core deposits | 110.5679% | 718 |
| Total domestic deposits to total assets | 85.5932% | 2,168 |
| Equity capital to assets | 11.3529% | 2,080 |
| Core capital (leverage) ratio | 10.8569% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8319% | 1,882 |
| Memoranda: | ||
| Average total assets | $5,129,974,667 | 243 |
| Average earning assets | $4,843,044,333 | 234 |
| Average equity | $600,261,667 | 228 |
| Average total loans | $4,223,749,000 | 208 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,902 |
| Cost of funding earning assets | 0.9858% | 1,482 |
| Net interest margin | 3.3215% | 3,541 |
| Noninterest income to average assets | 0.8521% | 1,162 |
| Noninterest expense to average assets | 1.7348% | 4,740 |
| Loan and lease loss provision to assets | 0.5304% | 552 |
| Net operating income to assets | 1.4092% | 956 |
| Return on assets (ROA) | 1.4102% | 1,036 |
| Pretax return on assets | 1.7224% | 827 |
| Return on Equity (ROE) | 11.8589% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.3699% | 2,131 |
| Net charge-offs to loans | 0.3570% | 398 |
| Credit loss provision to net charge-offs | 181.1694% | 1,474 |
| Earnings coverage of net charge-offs (x) | 7.6912% | 1,902 |
| Efficiency ratio | 43.5322% | 4,894 |
| Assets per employee ($millions) | 8.7320% | 582 |
| Cash dividends to net income (ytd only)* | 54.7185% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,099 |
| Loan loss allowance to noncurrent loans | 384.1562% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,312 |
| Noncurrent loans to loans | 0.3409% | 3,274 |
| Net loans and leases to total assets | 80.4662% | 641 |
| Net loans and leases to deposits | 94.3025% | 1,050 |
| Net loans and leases to core deposits | 112.7022% | 727 |
| Total domestic deposits to total assets | 85.3278% | 2,279 |
| Equity capital to assets | 11.9722% | 2,090 |
| Core capital (leverage) ratio | 11.6467% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1067% | 2,235 |
| Memoranda: | ||
| Average total assets | $4,977,594,000 | 246 |
| Average earning assets | $4,697,211,000 | 233 |
| Average equity | $591,892,500 | 232 |
| Average total loans | $4,082,037,500 | 209 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 2,277 |
| Cost of funding earning assets | 1.2774% | 822 |
| Net interest margin | 3.4406% | 3,625 |
| Noninterest income to average assets | 0.8979% | 1,179 |
| Noninterest expense to average assets | 1.7448% | 4,833 |
| Loan and lease loss provision to assets | 0.0658% | 2,700 |
| Net operating income to assets | 1.8324% | 495 |
| Return on assets (ROA) | 1.8350% | 516 |
| Pretax return on assets | 2.2946% | 313 |
| Return on Equity (ROE) | 15.8840% | 553 |
| Retained earnings to average equity (ytd only) | 5.6925% | 2,033 |
| Net charge-offs to loans | 0.0259% | 2,876 |
| Credit loss provision to net charge-offs | 312.2587% | 891 |
| Earnings coverage of net charge-offs (x) | 111.7799% | 620 |
| Efficiency ratio | 42.4286% | 5,017 |
| Assets per employee ($millions) | 8.6872% | 553 |
| Cash dividends to net income (ytd only)* | 64.1620% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,200 |
| Loan loss allowance to noncurrent loans | 270.5625% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 2,862 |
| Noncurrent loans to loans | 0.4599% | 2,800 |
| Net loans and leases to total assets | 81.4643% | 621 |
| Net loans and leases to deposits | 97.1980% | 826 |
| Net loans and leases to core deposits | 114.2853% | 662 |
| Total domestic deposits to total assets | 83.8127% | 2,905 |
| Equity capital to assets | 11.8086% | 2,275 |
| Core capital (leverage) ratio | 11.4316% | 2,162 |
| Tier 1 risk-based capital ratio | 12.8839% | 3,854 |
| Total risk-based capital ratio | 14.0396% | 3,796 |
| Memoranda: | ||
| Average total assets | $4,912,837,400 | 229 |
| Average earning assets | $4,574,983,600 | 229 |
| Average equity | $567,550,600 | 228 |
| Average total loans | $3,992,928,400 | 207 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,173 |
| Cost of funding earning assets | 1.3293% | 720 |
| Net interest margin | 3.4528% | 3,724 |
| Noninterest income to average assets | 0.9021% | 1,134 |
| Noninterest expense to average assets | 1.7441% | 4,877 |
| Loan and lease loss provision to assets | 0.0811% | 2,285 |
| Net operating income to assets | 1.8259% | 578 |
| Return on assets (ROA) | 1.8280% | 610 |
| Pretax return on assets | 2.2846% | 386 |
| Return on Equity (ROE) | 15.9125% | 619 |
| Retained earnings to average equity (ytd only) | 9.8742% | 786 |
| Net charge-offs to loans | 0.0272% | 2,549 |
| Credit loss provision to net charge-offs | 368.5185% | 819 |
| Earnings coverage of net charge-offs (x) | 107.3731% | 711 |
| Efficiency ratio | 42.3496% | 5,071 |
| Assets per employee ($millions) | 8.8002% | 522 |
| Cash dividends to net income (ytd only)* | 37.9466% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,203 |
| Loan loss allowance to noncurrent loans | 266.9549% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 2,948 |
| Noncurrent loans to loans | 0.4705% | 2,891 |
| Net loans and leases to total assets | 80.6172% | 760 |
| Net loans and leases to deposits | 92.7536% | 1,345 |
| Net loans and leases to core deposits | 114.6270% | 725 |
| Total domestic deposits to total assets | 86.9155% | 1,566 |
| Equity capital to assets | 12.0221% | 2,247 |
| Core capital (leverage) ratio | 11.7285% | 2,059 |
| Tier 1 risk-based capital ratio | 13.1727% | 3,750 |
| Total risk-based capital ratio | 14.3344% | 3,711 |
| Memoranda: | ||
| Average total assets | $4,907,469,000 | 230 |
| Average earning assets | $4,555,201,500 | 228 |
| Average equity | $563,769,750 | 231 |
| Average total loans | $3,973,571,750 | 209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,092 |
| Cost of funding earning assets | 1.3522% | 642 |
| Net interest margin | 3.4379% | 3,778 |
| Noninterest income to average assets | 0.9233% | 1,028 |
| Noninterest expense to average assets | 1.7348% | 4,942 |
| Loan and lease loss provision to assets | 0.0811% | 2,215 |
| Net operating income to assets | 1.8281% | 563 |
| Return on assets (ROA) | 1.8312% | 584 |
| Pretax return on assets | 2.2900% | 365 |
| Return on Equity (ROE) | 16.1932% | 560 |
| Retained earnings to average equity (ytd only) | 9.8889% | 793 |
| Net charge-offs to loans | -0.0064% | 4,191 |
| Credit loss provision to net charge-offs | -1,575.3968% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1587% | 5,113 |
| Assets per employee ($millions) | 8.6819% | 527 |
| Cash dividends to net income (ytd only)* | 38.9314% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,178 |
| Loan loss allowance to noncurrent loans | 337.1608% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,300 |
| Noncurrent loans to loans | 0.3745% | 3,184 |
| Net loans and leases to total assets | 79.7599% | 922 |
| Net loans and leases to deposits | 93.6501% | 1,291 |
| Net loans and leases to core deposits | 114.9176% | 732 |
| Total domestic deposits to total assets | 85.1679% | 2,408 |
| Equity capital to assets | 11.6028% | 2,519 |
| Core capital (leverage) ratio | 11.3671% | 2,278 |
| Tier 1 risk-based capital ratio | 12.8957% | 3,892 |
| Total risk-based capital ratio | 14.0606% | 3,843 |
| Memoranda: | ||
| Average total assets | $4,897,647,670 | 232 |
| Average earning assets | $4,528,205,330 | 231 |
| Average equity | $553,851,330 | 233 |
| Average total loans | $3,954,547,330 | 209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 1,966 |
| Cost of funding earning assets | 1.3200% | 617 |
| Net interest margin | 3.4569% | 3,728 |
| Noninterest income to average assets | 0.9241% | 983 |
| Noninterest expense to average assets | 1.7568% | 4,963 |
| Loan and lease loss provision to assets | 0.0986% | 1,774 |
| Net operating income to assets | 1.8205% | 552 |
| Return on assets (ROA) | 1.8214% | 568 |
| Pretax return on assets | 2.2618% | 387 |
| Return on Equity (ROE) | 16.3224% | 555 |
| Retained earnings to average equity (ytd only) | 8.9303% | 1,342 |
| Net charge-offs to loans | 0.0093% | 2,357 |
| Credit loss provision to net charge-offs | 1,318.6813% | 292 |
| Earnings coverage of net charge-offs (x) | 315.5165% | 259 |
| Efficiency ratio | 42.6803% | 5,147 |
| Assets per employee ($millions) | 8.7707% | 518 |
| Cash dividends to net income (ytd only)* | 45.2876% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,287 |
| Loan loss allowance to noncurrent loans | 753.9093% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 4,100 |
| Noncurrent loans to loans | 0.1668% | 4,003 |
| Net loans and leases to total assets | 79.8218% | 863 |
| Net loans and leases to deposits | 93.7849% | 1,197 |
| Net loans and leases to core deposits | 118.3993% | 571 |
| Total domestic deposits to total assets | 85.1115% | 2,642 |
| Equity capital to assets | 11.3385% | 2,532 |
| Core capital (leverage) ratio | 11.2125% | 2,374 |
| Tier 1 risk-based capital ratio | 12.7730% | 3,996 |
| Total risk-based capital ratio | 13.9357% | 3,942 |
| Memoranda: | ||
| Average total assets | $4,867,792,000 | 233 |
| Average earning assets | $4,494,819,000 | 231 |
| Average equity | $543,181,500 | 237 |
| Average total loans | $3,929,547,500 | 212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,358 |
| Cost of funding earning assets | 1.0465% | 618 |
| Net interest margin | 3.4866% | 3,748 |
| Noninterest income to average assets | 0.8425% | 1,330 |
| Noninterest expense to average assets | 1.7196% | 5,071 |
| Loan and lease loss provision to assets | 0.1349% | 1,606 |
| Net operating income to assets | 1.7722% | 593 |
| Return on assets (ROA) | 1.7710% | 589 |
| Pretax return on assets | 2.2203% | 342 |
| Return on Equity (ROE) | 16.7592% | 518 |
| Retained earnings to average equity (ytd only) | 11.1892% | 405 |
| Net charge-offs to loans | 0.1313% | 1,435 |
| Credit loss provision to net charge-offs | 126.2826% | 2,082 |
| Earnings coverage of net charge-offs (x) | 22.0655% | 1,918 |
| Efficiency ratio | 41.9533% | 5,243 |
| Assets per employee ($millions) | 8.7868% | 501 |
| Cash dividends to net income (ytd only)* | 33.2354% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,366 |
| Loan loss allowance to noncurrent loans | 667.3967% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 4,046 |
| Noncurrent loans to loans | 0.1853% | 3,914 |
| Net loans and leases to total assets | 79.6152% | 992 |
| Net loans and leases to deposits | 95.6305% | 1,106 |
| Net loans and leases to core deposits | 122.1458% | 496 |
| Total domestic deposits to total assets | 83.2530% | 3,244 |
| Equity capital to assets | 10.9782% | 2,711 |
| Core capital (leverage) ratio | 11.0633% | 2,467 |
| Tier 1 risk-based capital ratio | 12.6511% | 4,048 |
| Total risk-based capital ratio | 13.7997% | 3,978 |
| Memoranda: | ||
| Average total assets | $4,745,567,200 | 235 |
| Average earning assets | $4,401,133,200 | 229 |
| Average equity | $501,492,400 | 240 |
| Average total loans | $3,859,489,000 | 209 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 2,531 |
| Cost of funding earning assets | 0.9837% | 634 |
| Net interest margin | 3.4462% | 3,870 |
| Noninterest income to average assets | 0.8459% | 1,338 |
| Noninterest expense to average assets | 1.6989% | 5,137 |
| Loan and lease loss provision to assets | 0.1724% | 1,071 |
| Net operating income to assets | 1.7442% | 675 |
| Return on assets (ROA) | 1.7437% | 682 |
| Pretax return on assets | 2.1774% | 411 |
| Return on Equity (ROE) | 16.6673% | 590 |
| Retained earnings to average equity (ytd only) | 10.6536% | 732 |
| Net charge-offs to loans | 0.1691% | 978 |
| Credit loss provision to net charge-offs | 125.0513% | 1,938 |
| Earnings coverage of net charge-offs (x) | 17.0467% | 2,126 |
| Efficiency ratio | 41.6764% | 5,285 |
| Assets per employee ($millions) | 8.6370% | 504 |
| Cash dividends to net income (ytd only)* | 36.0808% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,330 |
| Loan loss allowance to noncurrent loans | 391.8538% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,617 |
| Noncurrent loans to loans | 0.3207% | 3,523 |
| Net loans and leases to total assets | 80.1030% | 1,004 |
| Net loans and leases to deposits | 94.5200% | 1,321 |
| Net loans and leases to core deposits | 124.3844% | 453 |
| Total domestic deposits to total assets | 84.7472% | 2,704 |
| Equity capital to assets | 10.7488% | 2,897 |
| Core capital (leverage) ratio | 10.9284% | 2,648 |
| Tier 1 risk-based capital ratio | 12.5363% | 4,188 |
| Total risk-based capital ratio | 13.7085% | 4,109 |
| Memoranda: | ||
| Average total assets | $4,717,183,750 | 233 |
| Average earning assets | $4,384,735,000 | 228 |
| Average equity | $493,505,000 | 243 |
| Average total loans | $3,845,101,750 | 210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,613 |
| Cost of funding earning assets | 0.9272% | 642 |
| Net interest margin | 3.4159% | 3,906 |
| Noninterest income to average assets | 0.8289% | 1,391 |
| Noninterest expense to average assets | 1.6768% | 5,212 |
| Loan and lease loss provision to assets | 0.2124% | 786 |
| Net operating income to assets | 1.6899% | 737 |
| Return on assets (ROA) | 1.6891% | 745 |
| Pretax return on assets | 2.1184% | 469 |
| Return on Equity (ROE) | 16.2954% | 612 |
| Retained earnings to average equity (ytd only) | 10.1259% | 896 |
| Net charge-offs to loans | 0.2297% | 697 |
| Credit loss provision to net charge-offs | 113.2503% | 1,859 |
| Earnings coverage of net charge-offs (x) | 12.4340% | 2,204 |
| Efficiency ratio | 41.4512% | 5,364 |
| Assets per employee ($millions) | 8.5810% | 509 |
| Cash dividends to net income (ytd only)* | 37.8602% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,527 |
| Loan loss allowance to noncurrent loans | 373.4910% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 3,689 |
| Noncurrent loans to loans | 0.3305% | 3,516 |
| Net loans and leases to total assets | 80.4400% | 949 |
| Net loans and leases to deposits | 96.9721% | 1,042 |
| Net loans and leases to core deposits | 125.6735% | 418 |
| Total domestic deposits to total assets | 82.9517% | 3,420 |
| Equity capital to assets | 10.5056% | 3,110 |
| Core capital (leverage) ratio | 10.6416% | 2,878 |
| Tier 1 risk-based capital ratio | 12.1975% | 4,374 |
| Total risk-based capital ratio | 13.3559% | 4,310 |
| Memoranda: | ||
| Average total assets | $4,709,001,330 | 231 |
| Average earning assets | $4,383,082,000 | 225 |
| Average equity | $488,114,330 | 241 |
| Average total loans | $3,844,598,000 | 205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 2,771 |
| Cost of funding earning assets | 0.8668% | 702 |
| Net interest margin | 3.3670% | 4,000 |
| Noninterest income to average assets | 0.8190% | 1,392 |
| Noninterest expense to average assets | 1.7035% | 5,242 |
| Loan and lease loss provision to assets | 0.2814% | 479 |
| Net operating income to assets | 1.5878% | 883 |
| Return on assets (ROA) | 1.5873% | 886 |
| Pretax return on assets | 1.9727% | 605 |
| Return on Equity (ROE) | 15.4190% | 725 |
| Retained earnings to average equity (ytd only) | 6.3813% | 2,554 |
| Net charge-offs to loans | 0.5001% | 305 |
| Credit loss provision to net charge-offs | 68.8360% | 1,839 |
| Earnings coverage of net charge-offs (x) | 5.5152% | 2,230 |
| Efficiency ratio | 43.0381% | 5,373 |
| Assets per employee ($millions) | 8.7417% | 482 |
| Cash dividends to net income (ytd only)* | 58.6140% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,894 |
| Loan loss allowance to noncurrent loans | 413.7378% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,939 |
| Noncurrent loans to loans | 0.2867% | 3,748 |
| Net loans and leases to total assets | 80.6823% | 838 |
| Net loans and leases to deposits | 92.6318% | 1,374 |
| Net loans and leases to core deposits | 121.4640% | 543 |
| Total domestic deposits to total assets | 87.1000% | 2,081 |
| Equity capital to assets | 10.2560% | 3,328 |
| Core capital (leverage) ratio | 10.3591% | 3,108 |
| Tier 1 risk-based capital ratio | 11.8316% | 4,664 |
| Total risk-based capital ratio | 12.9442% | 4,634 |
| Memoranda: | ||
| Average total assets | $4,690,862,500 | 232 |
| Average earning assets | $4,373,336,000 | 226 |
| Average equity | $482,910,500 | 245 |
| Average total loans | $3,834,492,000 | 206 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,314 |
| Cost of funding earning assets | 0.6905% | 1,076 |
| Net interest margin | 3.3384% | 4,044 |
| Noninterest income to average assets | 0.8029% | 1,556 |
| Noninterest expense to average assets | 1.6726% | 5,361 |
| Loan and lease loss provision to assets | 0.0679% | 2,845 |
| Net operating income to assets | 1.3883% | 1,044 |
| Return on assets (ROA) | 1.3885% | 1,063 |
| Pretax return on assets | 2.1809% | 325 |
| Return on Equity (ROE) | 13.2236% | 900 |
| Retained earnings to average equity (ytd only) | 8.5159% | 615 |
| Net charge-offs to loans | -0.0112% | 4,811 |
| Credit loss provision to net charge-offs | -744.4169% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6578% | 5,483 |
| Assets per employee ($millions) | 8.6641% | 505 |
| Cash dividends to net income (ytd only)* | 35.6002% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,582 |
| Loan loss allowance to noncurrent loans | 500.8610% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,126 |
| Noncurrent loans to loans | 0.2462% | 3,912 |
| Net loans and leases to total assets | 80.8289% | 855 |
| Net loans and leases to deposits | 94.1434% | 1,254 |
| Net loans and leases to core deposits | 122.5349% | 509 |
| Total domestic deposits to total assets | 85.8572% | 2,503 |
| Equity capital to assets | 10.3338% | 3,347 |
| Core capital (leverage) ratio | 10.4434% | 2,907 |
| Tier 1 risk-based capital ratio | 11.7317% | 4,695 |
| Total risk-based capital ratio | 12.8897% | 4,647 |
| Memoranda: | ||
| Average total assets | $4,415,103,200 | 233 |
| Average earning assets | $4,123,687,400 | 225 |
| Average equity | $463,589,400 | 238 |
| Average total loans | $3,611,145,600 | 206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,382 |
| Cost of funding earning assets | 0.6570% | 1,197 |
| Net interest margin | 3.3361% | 4,059 |
| Noninterest income to average assets | 0.7997% | 1,590 |
| Noninterest expense to average assets | 1.6952% | 5,372 |
| Loan and lease loss provision to assets | 0.0352% | 3,412 |
| Net operating income to assets | 1.4575% | 978 |
| Return on assets (ROA) | 1.4582% | 993 |
| Pretax return on assets | 2.1904% | 372 |
| Return on Equity (ROE) | 13.8284% | 870 |
| Retained earnings to average equity (ytd only) | 9.2628% | 772 |
| Net charge-offs to loans | -0.0236% | 4,909 |
| Credit loss provision to net charge-offs | -182.8299% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2493% | 5,506 |
| Assets per employee ($millions) | 8.2699% | 572 |
| Cash dividends to net income (ytd only)* | 33.0160% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,647 |
| Loan loss allowance to noncurrent loans | 439.4996% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 4,115 |
| Noncurrent loans to loans | 0.2844% | 3,928 |
| Net loans and leases to total assets | 80.9341% | 853 |
| Net loans and leases to deposits | 92.7625% | 1,449 |
| Net loans and leases to core deposits | 122.2036% | 509 |
| Total domestic deposits to total assets | 87.2488% | 1,754 |
| Equity capital to assets | 10.7209% | 3,146 |
| Core capital (leverage) ratio | 10.5933% | 2,888 |
| Tier 1 risk-based capital ratio | 12.0290% | 4,591 |
| Total risk-based capital ratio | 13.1941% | 4,543 |
| Memoranda: | ||
| Average total assets | $4,351,386,750 | 234 |
| Average earning assets | $4,069,371,000 | 228 |
| Average equity | $458,840,500 | 240 |
| Average total loans | $3,558,480,750 | 211 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 3,481 |
| Cost of funding earning assets | 0.6155% | 1,353 |
| Net interest margin | 3.3063% | 4,084 |
| Noninterest income to average assets | 0.7743% | 1,669 |
| Noninterest expense to average assets | 1.6959% | 5,413 |
| Loan and lease loss provision to assets | 0.0324% | 3,349 |
| Net operating income to assets | 1.4217% | 1,014 |
| Return on assets (ROA) | 1.4227% | 1,035 |
| Pretax return on assets | 2.1375% | 409 |
| Return on Equity (ROE) | 13.5701% | 901 |
| Retained earnings to average equity (ytd only) | 9.1391% | 797 |
| Net charge-offs to loans | -0.0082% | 4,473 |
| Credit loss provision to net charge-offs | -482.7586% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8898% | 5,531 |
| Assets per employee ($millions) | 8.1119% | 594 |
| Cash dividends to net income (ytd only)* | 32.6524% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,728 |
| Loan loss allowance to noncurrent loans | 450.7688% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,228 |
| Noncurrent loans to loans | 0.2761% | 4,053 |
| Net loans and leases to total assets | 80.7377% | 841 |
| Net loans and leases to deposits | 97.7772% | 912 |
| Net loans and leases to core deposits | 126.3657% | 386 |
| Total domestic deposits to total assets | 82.5731% | 3,691 |
| Equity capital to assets | 10.6119% | 3,213 |
| Core capital (leverage) ratio | 10.5024% | 2,913 |
| Tier 1 risk-based capital ratio | 11.7835% | 4,771 |
| Total risk-based capital ratio | 12.9286% | 4,734 |
| Memoranda: | ||
| Average total assets | $4,321,545,670 | 236 |
| Average earning assets | $4,038,324,670 | 231 |
| Average equity | $453,085,670 | 244 |
| Average total loans | $3,531,405,000 | 214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,682 |
| Cost of funding earning assets | 0.5751% | 1,542 |
| Net interest margin | 3.2479% | 4,190 |
| Noninterest income to average assets | 0.7573% | 1,720 |
| Noninterest expense to average assets | 1.7216% | 5,458 |
| Loan and lease loss provision to assets | 0.0186% | 3,330 |
| Net operating income to assets | 1.3640% | 1,081 |
| Return on assets (ROA) | 1.3642% | 1,116 |
| Pretax return on assets | 2.0452% | 467 |
| Return on Equity (ROE) | 13.0929% | 979 |
| Retained earnings to average equity (ytd only) | 9.9695% | 813 |
| Net charge-offs to loans | 0.0164% | 2,465 |
| Credit loss provision to net charge-offs | 138.8889% | 1,267 |
| Earnings coverage of net charge-offs (x) | 153.7639% | 354 |
| Efficiency ratio | 45.4832% | 5,549 |
| Assets per employee ($millions) | 8.1577% | 577 |
| Cash dividends to net income (ytd only)* | 23.8557% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,899 |
| Loan loss allowance to noncurrent loans | 370.3071% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 4,102 |
| Noncurrent loans to loans | 0.3343% | 3,906 |
| Net loans and leases to total assets | 81.0815% | 681 |
| Net loans and leases to deposits | 94.8835% | 1,029 |
| Net loans and leases to core deposits | 124.6713% | 349 |
| Total domestic deposits to total assets | 85.4537% | 2,900 |
| Equity capital to assets | 10.5176% | 3,162 |
| Core capital (leverage) ratio | 10.4805% | 2,928 |
| Tier 1 risk-based capital ratio | 11.6814% | 4,924 |
| Total risk-based capital ratio | 12.8201% | 4,884 |
| Memoranda: | ||
| Average total assets | $4,292,100,000 | 237 |
| Average earning assets | $4,001,180,500 | 232 |
| Average equity | $447,204,500 | 247 |
| Average total loans | $3,506,495,000 | 214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,129 |
| Cost of funding earning assets | 0.5167% | 1,965 |
| Net interest margin | 3.2126% | 4,409 |
| Noninterest income to average assets | 0.8129% | 1,702 |
| Noninterest expense to average assets | 1.7310% | 5,534 |
| Loan and lease loss provision to assets | 0.0288% | 3,776 |
| Net operating income to assets | 1.3697% | 1,066 |
| Return on assets (ROA) | 1.3705% | 1,110 |
| Pretax return on assets | 2.0628% | 435 |
| Return on Equity (ROE) | 12.6924% | 1,070 |
| Retained earnings to average equity (ytd only) | 7.9036% | 882 |
| Net charge-offs to loans | 0.0322% | 3,378 |
| Credit loss provision to net charge-offs | 110.3647% | 2,372 |
| Earnings coverage of net charge-offs (x) | 80.0048% | 714 |
| Efficiency ratio | 45.2989% | 5,660 |
| Assets per employee ($millions) | 8.1621% | 565 |
| Cash dividends to net income (ytd only)* | 37.7298% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,776 |
| Loan loss allowance to noncurrent loans | 653.2875% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 4,681 |
| Noncurrent loans to loans | 0.1925% | 4,471 |
| Net loans and leases to total assets | 80.2702% | 862 |
| Net loans and leases to deposits | 95.8604% | 1,009 |
| Net loans and leases to core deposits | 121.7157% | 438 |
| Total domestic deposits to total assets | 83.7366% | 3,525 |
| Equity capital to assets | 10.3202% | 3,365 |
| Core capital (leverage) ratio | 10.5402% | 2,839 |
| Tier 1 risk-based capital ratio | 11.6706% | 4,944 |
| Total risk-based capital ratio | 12.8358% | 4,904 |
| Memoranda: | ||
| Average total assets | $3,988,156,000 | 234 |
| Average earning assets | $3,734,774,600 | 231 |
| Average equity | $430,627,000 | 244 |
| Average total loans | $3,232,833,200 | 215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,150 |
| Cost of funding earning assets | 0.5148% | 1,979 |
| Net interest margin | 3.2143% | 4,446 |
| Noninterest income to average assets | 0.8103% | 1,716 |
| Noninterest expense to average assets | 1.7565% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3781% | 1,109 |
| Return on assets (ROA) | 1.3788% | 1,168 |
| Pretax return on assets | 2.0747% | 489 |
| Return on Equity (ROE) | 12.6171% | 1,147 |
| Retained earnings to average equity (ytd only) | 7.4838% | 1,411 |
| Net charge-offs to loans | 0.0318% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 80.4424% | 782 |
| Efficiency ratio | 45.8639% | 5,675 |
| Assets per employee ($millions) | 8.0802% | 574 |
| Cash dividends to net income (ytd only)* | 40.6855% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,665 |
| Loan loss allowance to noncurrent loans | 590.0991% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,735 |
| Noncurrent loans to loans | 0.2210% | 4,478 |
| Net loans and leases to total assets | 77.4750% | 1,287 |
| Net loans and leases to deposits | 88.7479% | 1,923 |
| Net loans and leases to core deposits | 118.6525% | 551 |
| Total domestic deposits to total assets | 87.2978% | 1,761 |
| Equity capital to assets | 10.5542% | 3,507 |
| Core capital (leverage) ratio | 10.4103% | 3,102 |
| Tier 1 risk-based capital ratio | 11.9251% | 4,834 |
| Total risk-based capital ratio | 13.1195% | 4,771 |
| Memoranda: | ||
| Average total assets | $3,915,955,250 | 236 |
| Average earning assets | $3,678,666,250 | 232 |
| Average equity | $427,936,500 | 245 |
| Average total loans | $3,171,831,000 | 217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,103 |
| Cost of funding earning assets | 0.5068% | 2,047 |
| Net interest margin | 3.2513% | 4,376 |
| Noninterest income to average assets | 0.7776% | 1,818 |
| Noninterest expense to average assets | 1.7856% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3667% | 1,126 |
| Return on assets (ROA) | 1.3678% | 1,196 |
| Pretax return on assets | 2.0581% | 512 |
| Return on Equity (ROE) | 12.3620% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.9496% | 1,631 |
| Net charge-offs to loans | 0.0232% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 108.3581% | 530 |
| Efficiency ratio | 46.4793% | 5,735 |
| Assets per employee ($millions) | 7.3913% | 735 |
| Cash dividends to net income (ytd only)* | 43.7820% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,527 |
| Loan loss allowance to noncurrent loans | 463.5759% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 4,521 |
| Noncurrent loans to loans | 0.2913% | 4,329 |
| Net loans and leases to total assets | 80.4825% | 830 |
| Net loans and leases to deposits | 92.7871% | 1,417 |
| Net loans and leases to core deposits | 119.9053% | 513 |
| Total domestic deposits to total assets | 86.7389% | 2,042 |
| Equity capital to assets | 11.0737% | 2,974 |
| Core capital (leverage) ratio | 10.5571% | 2,906 |
| Tier 1 risk-based capital ratio | 12.0287% | 4,806 |
| Total risk-based capital ratio | 13.2716% | 4,725 |
| Memoranda: | ||
| Average total assets | $3,826,090,330 | 243 |
| Average earning assets | $3,605,788,670 | 237 |
| Average equity | $423,331,000 | 247 |
| Average total loans | $3,133,905,000 | 221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,150 |
| Cost of funding earning assets | 0.4883% | 2,192 |
| Net interest margin | 3.2584% | 4,371 |
| Noninterest income to average assets | 0.7275% | 1,917 |
| Noninterest expense to average assets | 1.7627% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3433% | 1,142 |
| Return on assets (ROA) | 1.3470% | 1,213 |
| Pretax return on assets | 2.0388% | 520 |
| Return on Equity (ROE) | 12.1794% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.1184% | 2,323 |
| Net charge-offs to loans | 0.0421% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 58.8896% | 793 |
| Efficiency ratio | 46.4356% | 5,793 |
| Assets per employee ($millions) | 7.2887% | 777 |
| Cash dividends to net income (ytd only)* | 49.7641% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,475 |
| Loan loss allowance to noncurrent loans | 571.1044% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,734 |
| Noncurrent loans to loans | 0.2433% | 4,560 |
| Net loans and leases to total assets | 80.9022% | 700 |
| Net loans and leases to deposits | 94.4858% | 1,095 |
| Net loans and leases to core deposits | 120.5211% | 452 |
| Total domestic deposits to total assets | 85.6237% | 2,848 |
| Equity capital to assets | 11.1521% | 2,769 |
| Core capital (leverage) ratio | 10.8581% | 2,562 |
| Tier 1 risk-based capital ratio | 12.1132% | 4,849 |
| Total risk-based capital ratio | 13.3663% | 4,744 |
| Memoranda: | ||
| Average total assets | $3,776,747,500 | 246 |
| Average earning assets | $3,556,616,000 | 237 |
| Average equity | $417,688,500 | 248 |
| Average total loans | $3,099,854,500 | 222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,449 |
| Cost of funding earning assets | 0.4652% | 2,483 |
| Net interest margin | 3.2074% | 4,605 |
| Noninterest income to average assets | 0.8657% | 1,545 |
| Noninterest expense to average assets | 1.8465% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3381% | 1,180 |
| Return on assets (ROA) | 1.3385% | 1,220 |
| Pretax return on assets | 2.0237% | 516 |
| Return on Equity (ROE) | 12.1037% | 1,274 |
| Retained earnings to average equity (ytd only) | 9.5082% | 533 |
| Net charge-offs to loans | 0.0915% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 27.2572% | 1,550 |
| Efficiency ratio | 47.7200% | 5,854 |
| Assets per employee ($millions) | 7.2511% | 801 |
| Cash dividends to net income (ytd only)* | 21.4435% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,358 |
| Loan loss allowance to noncurrent loans | 334.0483% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 4,174 |
| Noncurrent loans to loans | 0.4233% | 3,942 |
| Net loans and leases to total assets | 80.9520% | 721 |
| Net loans and leases to deposits | 95.4927% | 1,068 |
| Net loans and leases to core deposits | 114.8953% | 643 |
| Total domestic deposits to total assets | 84.7730% | 3,186 |
| Equity capital to assets | 10.9658% | 2,858 |
| Core capital (leverage) ratio | 10.8626% | 2,542 |
| Tier 1 risk-based capital ratio | 12.0617% | 4,911 |
| Total risk-based capital ratio | 13.3149% | 4,810 |
| Memoranda: | ||
| Average total assets | $3,573,325,200 | 242 |
| Average earning assets | $3,346,314,400 | 239 |
| Average equity | $395,153,200 | 247 |
| Average total loans | $2,898,973,600 | 220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,456 |
| Cost of funding earning assets | 0.4715% | 2,482 |
| Net interest margin | 3.2153% | 4,628 |
| Noninterest income to average assets | 0.8676% | 1,557 |
| Noninterest expense to average assets | 1.8620% | 5,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3262% | 1,273 |
| Return on assets (ROA) | 1.3267% | 1,329 |
| Pretax return on assets | 2.0129% | 587 |
| Return on Equity (ROE) | 11.9709% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.5152% | 738 |
| Net charge-offs to loans | 0.0733% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.9471% | 1,379 |
| Efficiency ratio | 48.0667% | 5,866 |
| Assets per employee ($millions) | 7.0555% | 850 |
| Cash dividends to net income (ytd only)* | 20.5139% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,151 |
| Loan loss allowance to noncurrent loans | 312.3925% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,182 |
| Noncurrent loans to loans | 0.4808% | 3,918 |
| Net loans and leases to total assets | 80.1899% | 801 |
| Net loans and leases to deposits | 93.1018% | 1,291 |
| Net loans and leases to core deposits | 113.4683% | 691 |
| Total domestic deposits to total assets | 86.1314% | 2,464 |
| Equity capital to assets | 11.0845% | 2,919 |
| Core capital (leverage) ratio | 10.9250% | 2,570 |
| Tier 1 risk-based capital ratio | 12.2004% | 4,960 |
| Total risk-based capital ratio | 13.4549% | 4,862 |
| Memoranda: | ||
| Average total assets | $3,527,639,000 | 250 |
| Average earning assets | $3,298,271,500 | 245 |
| Average equity | $390,970,750 | 255 |
| Average total loans | $2,852,661,250 | 224 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 4,428 |
| Cost of funding earning assets | 0.4712% | 2,504 |
| Net interest margin | 3.2217% | 4,595 |
| Noninterest income to average assets | 0.8724% | 1,534 |
| Noninterest expense to average assets | 1.8838% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3221% | 1,258 |
| Return on assets (ROA) | 1.3229% | 1,305 |
| Pretax return on assets | 2.0016% | 590 |
| Return on Equity (ROE) | 11.9371% | 1,390 |
| Retained earnings to average equity (ytd only) | 9.7903% | 705 |
| Net charge-offs to loans | 0.1029% | 1,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.1024% | 1,578 |
| Efficiency ratio | 48.5040% | 5,932 |
| Assets per employee ($millions) | 6.9287% | 853 |
| Cash dividends to net income (ytd only)* | 17.9839% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 2,089 |
| Loan loss allowance to noncurrent loans | 311.8069% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 4,275 |
| Noncurrent loans to loans | 0.4962% | 3,985 |
| Net loans and leases to total assets | 80.0839% | 791 |
| Net loans and leases to deposits | 94.4058% | 1,115 |
| Net loans and leases to core deposits | 112.1364% | 743 |
| Total domestic deposits to total assets | 84.8294% | 3,199 |
| Equity capital to assets | 11.0577% | 2,829 |
| Core capital (leverage) ratio | 10.9525% | 2,480 |
| Tier 1 risk-based capital ratio | 12.2238% | 4,980 |
| Total risk-based capital ratio | 13.4787% | 4,881 |
| Memoranda: | ||
| Average total assets | $3,485,277,330 | 255 |
| Average earning assets | $3,257,653,330 | 249 |
| Average equity | $386,258,670 | 258 |
| Average total loans | $2,811,744,330 | 225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,355 |
| Cost of funding earning assets | 0.4608% | 2,674 |
| Net interest margin | 3.2407% | 4,449 |
| Noninterest income to average assets | 0.8843% | 1,440 |
| Noninterest expense to average assets | 1.9248% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3166% | 1,224 |
| Return on assets (ROA) | 1.3198% | 1,297 |
| Pretax return on assets | 1.9900% | 596 |
| Return on Equity (ROE) | 11.8948% | 1,375 |
| Retained earnings to average equity (ytd only) | 11.4388% | 656 |
| Net charge-offs to loans | 0.0845% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.2444% | 1,173 |
| Efficiency ratio | 49.2284% | 5,964 |
| Assets per employee ($millions) | 6.8927% | 897 |
| Cash dividends to net income (ytd only)* | 3.8333% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,896 |
| Loan loss allowance to noncurrent loans | 292.6512% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 4,174 |
| Noncurrent loans to loans | 0.5626% | 3,901 |
| Net loans and leases to total assets | 78.7067% | 839 |
| Net loans and leases to deposits | 91.0946% | 1,284 |
| Net loans and leases to core deposits | 108.1142% | 817 |
| Total domestic deposits to total assets | 86.4011% | 2,711 |
| Equity capital to assets | 11.2193% | 2,734 |
| Core capital (leverage) ratio | 11.0825% | 2,330 |
| Tier 1 risk-based capital ratio | 12.4469% | 4,945 |
| Total risk-based capital ratio | 13.7031% | 4,856 |
| Memoranda: | ||
| Average total assets | $3,447,251,000 | 256 |
| Average earning assets | $3,218,424,500 | 249 |
| Average equity | $382,488,000 | 261 |
| Average total loans | $2,769,183,000 | 224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 4,454 |
| Cost of funding earning assets | 0.4518% | 3,152 |
| Net interest margin | 3.3610% | 4,369 |
| Noninterest income to average assets | 0.8923% | 1,525 |
| Noninterest expense to average assets | 1.9230% | 5,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3716% | 1,137 |
| Return on assets (ROA) | 1.3668% | 1,189 |
| Pretax return on assets | 2.0929% | 420 |
| Return on Equity (ROE) | 12.5727% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.4870% | 1,196 |
| Net charge-offs to loans | 0.0956% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 27.4671% | 1,431 |
| Efficiency ratio | 47.7997% | 6,190 |
| Assets per employee ($millions) | 6.9102% | 883 |
| Cash dividends to net income (ytd only)* | 40.4506% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 1,847 |
| Loan loss allowance to noncurrent loans | 337.5064% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 4,460 |
| Noncurrent loans to loans | 0.4959% | 4,170 |
| Net loans and leases to total assets | 79.2899% | 845 |
| Net loans and leases to deposits | 94.5745% | 1,024 |
| Net loans and leases to core deposits | 108.7095% | 846 |
| Total domestic deposits to total assets | 83.8386% | 3,791 |
| Equity capital to assets | 10.9702% | 2,923 |
| Core capital (leverage) ratio | 10.8391% | 2,570 |
| Tier 1 risk-based capital ratio | 12.6109% | 4,968 |
| Total risk-based capital ratio | 13.8651% | 4,880 |
| Memoranda: | ||
| Average total assets | $3,315,633,400 | 251 |
| Average earning assets | $3,088,490,800 | 243 |
| Average equity | $360,440,400 | 260 |
| Average total loans | $2,651,012,000 | 219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,471 |
| Cost of funding earning assets | 0.4488% | 3,266 |
| Net interest margin | 3.3712% | 4,349 |
| Noninterest income to average assets | 0.9158% | 1,466 |
| Noninterest expense to average assets | 1.9282% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3844% | 1,164 |
| Return on assets (ROA) | 1.3780% | 1,218 |
| Pretax return on assets | 2.1141% | 440 |
| Return on Equity (ROE) | 12.7063% | 1,299 |
| Retained earnings to average equity (ytd only) | 7.7283% | 1,478 |
| Net charge-offs to loans | 0.1225% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.7295% | 1,661 |
| Efficiency ratio | 47.5869% | 6,221 |
| Assets per employee ($millions) | 6.7586% | 890 |
| Cash dividends to net income (ytd only)* | 39.1771% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 1,920 |
| Loan loss allowance to noncurrent loans | 314.1899% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 4,563 |
| Noncurrent loans to loans | 0.5461% | 4,280 |
| Net loans and leases to total assets | 79.4283% | 783 |
| Net loans and leases to deposits | 91.8242% | 1,247 |
| Net loans and leases to core deposits | 112.1725% | 654 |
| Total domestic deposits to total assets | 86.5004% | 2,590 |
| Equity capital to assets | 11.0130% | 2,945 |
| Core capital (leverage) ratio | 10.8325% | 2,662 |
| Tier 1 risk-based capital ratio | 12.6984% | 5,042 |
| Total risk-based capital ratio | 13.9531% | 4,951 |
| Memoranda: | ||
| Average total assets | $3,287,673,000 | 249 |
| Average earning assets | $3,058,456,000 | 243 |
| Average equity | $356,550,500 | 256 |
| Average total loans | $2,622,788,750 | 219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,474 |
| Cost of funding earning assets | 0.4472% | 3,363 |
| Net interest margin | 3.3672% | 4,329 |
| Noninterest income to average assets | 0.8944% | 1,511 |
| Noninterest expense to average assets | 1.9457% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3426% | 1,198 |
| Return on assets (ROA) | 1.3420% | 1,243 |
| Pretax return on assets | 2.0697% | 468 |
| Return on Equity (ROE) | 12.4400% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.8602% | 1,379 |
| Net charge-offs to loans | 0.2459% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.5990% | 2,236 |
| Efficiency ratio | 48.4488% | 6,264 |
| Assets per employee ($millions) | 6.7937% | 877 |
| Cash dividends to net income (ytd only)* | 36.8155% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,117 |
| Loan loss allowance to noncurrent loans | 324.0142% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 4,664 |
| Noncurrent loans to loans | 0.5263% | 4,432 |
| Net loans and leases to total assets | 77.0803% | 1,042 |
| Net loans and leases to deposits | 92.9439% | 1,057 |
| Net loans and leases to core deposits | 109.8543% | 702 |
| Total domestic deposits to total assets | 82.9321% | 4,326 |
| Equity capital to assets | 10.6259% | 3,276 |
| Core capital (leverage) ratio | 10.7192% | 2,701 |
| Tier 1 risk-based capital ratio | 12.5164% | 5,220 |
| Total risk-based capital ratio | 13.7708% | 5,138 |
| Memoranda: | ||
| Average total assets | $3,268,402,000 | 249 |
| Average earning assets | $3,029,897,000 | 239 |
| Average equity | $352,588,000 | 254 |
| Average total loans | $2,595,835,000 | 216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,446 |
| Cost of funding earning assets | 0.4468% | 3,463 |
| Net interest margin | 3.3632% | 4,279 |
| Noninterest income to average assets | 0.9060% | 1,369 |
| Noninterest expense to average assets | 2.0345% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2908% | 1,242 |
| Return on assets (ROA) | 1.2908% | 1,289 |
| Pretax return on assets | 2.0127% | 518 |
| Return on Equity (ROE) | 11.8705% | 1,447 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,558 |
| Net charge-offs to loans | 0.4162% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0481% | 2,289 |
| Efficiency ratio | 50.2705% | 6,242 |
| Assets per employee ($millions) | 6.4524% | 1,038 |
| Cash dividends to net income (ytd only)* | 31.7213% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,067 |
| Loan loss allowance to noncurrent loans | 305.5026% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 4,638 |
| Noncurrent loans to loans | 0.5862% | 4,401 |
| Net loans and leases to total assets | 78.4229% | 712 |
| Net loans and leases to deposits | 92.3720% | 924 |
| Net loans and leases to core deposits | 110.4575% | 571 |
| Total domestic deposits to total assets | 84.8990% | 3,917 |
| Equity capital to assets | 10.9317% | 2,785 |
| Core capital (leverage) ratio | 10.9374% | 2,453 |
| Tier 1 risk-based capital ratio | 12.7882% | 5,129 |
| Total risk-based capital ratio | 14.0437% | 5,065 |
| Memoranda: | ||
| Average total assets | $3,197,374,500 | 251 |
| Average earning assets | $2,986,352,000 | 241 |
| Average equity | $347,686,000 | 255 |
| Average total loans | $2,556,554,500 | 216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 4,634 |
| Cost of funding earning assets | 0.5784% | 2,852 |
| Net interest margin | 3.2715% | 4,771 |
| Noninterest income to average assets | 0.9915% | 1,417 |
| Noninterest expense to average assets | 2.0202% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3146% | 1,214 |
| Return on assets (ROA) | 1.3165% | 1,247 |
| Pretax return on assets | 2.0075% | 472 |
| Return on Equity (ROE) | 12.0299% | 1,411 |
| Retained earnings to average equity (ytd only) | 9.1678% | 738 |
| Net charge-offs to loans | 0.1121% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 22.9422% | 1,432 |
| Efficiency ratio | 50.1574% | 6,391 |
| Assets per employee ($millions) | 6.3753% | 1,053 |
| Cash dividends to net income (ytd only)* | 23.7920% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 1,728 |
| Loan loss allowance to noncurrent loans | 203.7878% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 3,967 |
| Noncurrent loans to loans | 0.9439% | 3,630 |
| Net loans and leases to total assets | 78.5248% | 764 |
| Net loans and leases to deposits | 97.6860% | 609 |
| Net loans and leases to core deposits | 108.2160% | 685 |
| Total domestic deposits to total assets | 80.3849% | 5,353 |
| Equity capital to assets | 10.8154% | 2,801 |
| Core capital (leverage) ratio | 10.9830% | 2,402 |
| Tier 1 risk-based capital ratio | 12.7092% | 5,170 |
| Total risk-based capital ratio | 13.9662% | 5,108 |
| Memoranda: | ||
| Average total assets | $3,030,827,400 | 252 |
| Average earning assets | $2,810,045,600 | 243 |
| Average equity | $331,672,400 | 254 |
| Average total loans | $2,361,377,200 | 221 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,666 |
| Cost of funding earning assets | 0.6139% | 2,699 |
| Net interest margin | 3.2358% | 4,874 |
| Noninterest income to average assets | 1.0017% | 1,449 |
| Noninterest expense to average assets | 2.0103% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2972% | 1,361 |
| Return on assets (ROA) | 1.2997% | 1,413 |
| Pretax return on assets | 1.9888% | 587 |
| Return on Equity (ROE) | 11.8405% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.2308% | 988 |
| Net charge-offs to loans | 0.0944% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.1791% | 1,321 |
| Efficiency ratio | 50.2824% | 6,382 |
| Assets per employee ($millions) | 6.1055% | 1,169 |
| Cash dividends to net income (ytd only)* | 22.0404% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 1,547 |
| Loan loss allowance to noncurrent loans | 214.7002% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 4,186 |
| Noncurrent loans to loans | 0.9691% | 3,873 |
| Net loans and leases to total assets | 77.2449% | 844 |
| Net loans and leases to deposits | 95.8409% | 702 |
| Net loans and leases to core deposits | 106.1154% | 753 |
| Total domestic deposits to total assets | 80.5970% | 5,335 |
| Equity capital to assets | 11.0760% | 2,694 |
| Core capital (leverage) ratio | 11.1101% | 2,373 |
| Tier 1 risk-based capital ratio | 13.1392% | 5,023 |
| Total risk-based capital ratio | 14.3981% | 4,969 |
| Memoranda: | ||
| Average total assets | $2,996,402,500 | 251 |
| Average earning assets | $2,771,712,000 | 242 |
| Average equity | $328,918,000 | 254 |
| Average total loans | $2,317,502,500 | 220 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 4,682 |
| Cost of funding earning assets | 0.6548% | 2,453 |
| Net interest margin | 3.1867% | 4,988 |
| Noninterest income to average assets | 0.9985% | 1,541 |
| Noninterest expense to average assets | 1.9732% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2774% | 1,382 |
| Return on assets (ROA) | 1.2765% | 1,476 |
| Pretax return on assets | 1.9692% | 640 |
| Return on Equity (ROE) | 11.6647% | 1,585 |
| Retained earnings to average equity (ytd only) | 9.5258% | 959 |
| Net charge-offs to loans | 0.0707% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.2840% | 996 |
| Efficiency ratio | 49.9992% | 6,433 |
| Assets per employee ($millions) | 5.9143% | 1,269 |
| Cash dividends to net income (ytd only)* | 18.3365% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 1,498 |
| Loan loss allowance to noncurrent loans | 233.9231% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 4,379 |
| Noncurrent loans to loans | 0.9250% | 4,073 |
| Net loans and leases to total assets | 77.1158% | 854 |
| Net loans and leases to deposits | 92.1499% | 943 |
| Net loans and leases to core deposits | 101.4876% | 976 |
| Total domestic deposits to total assets | 83.6851% | 4,459 |
| Equity capital to assets | 11.1049% | 2,655 |
| Core capital (leverage) ratio | 10.9806% | 2,373 |
| Tier 1 risk-based capital ratio | 13.1405% | 5,040 |
| Total risk-based capital ratio | 14.4004% | 4,974 |
| Memoranda: | ||
| Average total assets | $2,983,719,000 | 250 |
| Average earning assets | $2,757,113,670 | 246 |
| Average equity | $326,525,000 | 257 |
| Average total loans | $2,292,082,330 | 220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 4,667 |
| Cost of funding earning assets | 0.6946% | 2,266 |
| Net interest margin | 3.1503% | 5,090 |
| Noninterest income to average assets | 0.9907% | 1,488 |
| Noninterest expense to average assets | 1.9418% | 6,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2895% | 1,308 |
| Return on assets (ROA) | 1.2896% | 1,409 |
| Pretax return on assets | 1.9452% | 668 |
| Return on Equity (ROE) | 11.8706% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.8706% | 721 |
| Net charge-offs to loans | 0.1106% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.1978% | 1,113 |
| Efficiency ratio | 49.9157% | 6,505 |
| Assets per employee ($millions) | 5.9284% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2396% | 1,503 |
| Loan loss allowance to noncurrent loans | 233.8610% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 4,461 |
| Noncurrent loans to loans | 0.9577% | 4,223 |
| Net loans and leases to total assets | 75.8976% | 855 |
| Net loans and leases to deposits | 90.4768% | 922 |
| Net loans and leases to core deposits | 101.8410% | 835 |
| Total domestic deposits to total assets | 83.8862% | 4,526 |
| Equity capital to assets | 11.2706% | 2,658 |
| Core capital (leverage) ratio | 10.9228% | 2,328 |
| Tier 1 risk-based capital ratio | 13.2761% | 5,031 |
| Total risk-based capital ratio | 14.5372% | 4,974 |
| Memoranda: | ||
| Average total assets | $2,991,089,000 | 251 |
| Average earning assets | $2,749,817,500 | 248 |
| Average equity | $324,936,000 | 263 |
| Average total loans | $2,268,030,500 | 224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 4,475 |
| Cost of funding earning assets | 0.9435% | 1,680 |
| Net interest margin | 3.2870% | 5,294 |
| Noninterest income to average assets | 0.8811% | 1,927 |
| Noninterest expense to average assets | 1.8821% | 6,513 |
| Loan and lease loss provision to assets | 0.0860% | 4,625 |
| Net operating income to assets | 1.2865% | 1,346 |
| Return on assets (ROA) | 1.2543% | 1,596 |
| Pretax return on assets | 1.8744% | 786 |
| Return on Equity (ROE) | 11.9502% | 1,527 |
| Retained earnings to average equity (ytd only) | 6.8977% | 1,614 |
| Net charge-offs to loans | 0.2017% | 3,764 |
| Credit loss provision to net charge-offs | 56.5941% | 4,534 |
| Earnings coverage of net charge-offs (x) | 13.2096% | 1,852 |
| Efficiency ratio | 48.3346% | 6,691 |
| Assets per employee ($millions) | 6.2058% | 1,163 |
| Cash dividends to net income (ytd only)* | 42.2797% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,419 |
| Loan loss allowance to noncurrent loans | 166.6019% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 3,971 |
| Noncurrent loans to loans | 1.3621% | 3,556 |
| Net loans and leases to total assets | 72.4156% | 1,433 |
| Net loans and leases to deposits | 85.7720% | 1,545 |
| Net loans and leases to core deposits | 96.8871% | 1,235 |
| Total domestic deposits to total assets | 84.4280% | 4,111 |
| Equity capital to assets | 10.4746% | 3,555 |
| Core capital (leverage) ratio | 10.2777% | 3,039 |
| Tier 1 risk-based capital ratio | 12.7383% | 5,304 |
| Total risk-based capital ratio | 13.9995% | 5,230 |
| Memoranda: | ||
| Average total assets | $2,962,664,000 | 247 |
| Average earning assets | $2,712,362,200 | 244 |
| Average equity | $310,973,200 | 265 |
| Average total loans | $2,232,650,800 | 217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 4,239 |
| Cost of funding earning assets | 0.9919% | 1,609 |
| Net interest margin | 3.3608% | 5,178 |
| Noninterest income to average assets | 0.8586% | 1,986 |
| Noninterest expense to average assets | 1.8858% | 6,544 |
| Loan and lease loss provision to assets | 0.0589% | 4,991 |
| Net operating income to assets | 1.3237% | 1,388 |
| Return on assets (ROA) | 1.2811% | 1,635 |
| Pretax return on assets | 1.9309% | 812 |
| Return on Equity (ROE) | 12.1989% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.0503% | 1,601 |
| Net charge-offs to loans | 0.1671% | 3,783 |
| Credit loss provision to net charge-offs | 46.6093% | 4,479 |
| Earnings coverage of net charge-offs (x) | 16.2433% | 1,705 |
| Efficiency ratio | 47.8199% | 6,732 |
| Assets per employee ($millions) | 6.0161% | 1,238 |
| Cash dividends to net income (ytd only)* | 34.0074% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3489% | 1,435 |
| Loan loss allowance to noncurrent loans | 155.7282% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 3,982 |
| Noncurrent loans to loans | 1.5083% | 3,525 |
| Net loans and leases to total assets | 73.2109% | 1,362 |
| Net loans and leases to deposits | 87.1300% | 1,463 |
| Net loans and leases to core deposits | 99.1297% | 1,184 |
| Total domestic deposits to total assets | 84.0250% | 4,209 |
| Equity capital to assets | 10.8078% | 3,494 |
| Core capital (leverage) ratio | 10.4415% | 2,987 |
| Tier 1 risk-based capital ratio | 13.0875% | 5,178 |
| Total risk-based capital ratio | 14.3500% | 5,131 |
| Memoranda: | ||
| Average total assets | $2,938,464,750 | 249 |
| Average earning assets | $2,694,103,500 | 246 |
| Average equity | $308,600,250 | 267 |
| Average total loans | $2,224,070,500 | 218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 4,189 |
| Cost of funding earning assets | 1.0260% | 1,604 |
| Net interest margin | 3.3733% | 5,195 |
| Noninterest income to average assets | 0.8399% | 2,007 |
| Noninterest expense to average assets | 1.9000% | 6,595 |
| Loan and lease loss provision to assets | 0.0885% | 4,469 |
| Net operating income to assets | 1.2966% | 1,451 |
| Return on assets (ROA) | 1.2521% | 1,728 |
| Pretax return on assets | 1.8816% | 879 |
| Return on Equity (ROE) | 12.0393% | 1,655 |
| Retained earnings to average equity (ytd only) | 7.7500% | 1,742 |
| Net charge-offs to loans | 0.2586% | 3,026 |
| Credit loss provision to net charge-offs | 45.0729% | 4,148 |
| Earnings coverage of net charge-offs (x) | 10.3688% | 2,056 |
| Efficiency ratio | 48.2257% | 6,766 |
| Assets per employee ($millions) | 5.9403% | 1,277 |
| Cash dividends to net income (ytd only)* | 35.6280% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,528 |
| Loan loss allowance to noncurrent loans | 149.6779% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 3,966 |
| Noncurrent loans to loans | 1.5597% | 3,569 |
| Net loans and leases to total assets | 72.9827% | 1,394 |
| Net loans and leases to deposits | 85.7981% | 1,630 |
| Net loans and leases to core deposits | 96.9847% | 1,352 |
| Total domestic deposits to total assets | 85.0632% | 3,827 |
| Equity capital to assets | 10.4925% | 3,701 |
| Core capital (leverage) ratio | 10.0197% | 3,402 |
| Tier 1 risk-based capital ratio | 12.6272% | 5,474 |
| Total risk-based capital ratio | 13.8893% | 5,449 |
| Memoranda: | ||
| Average total assets | $2,935,320,670 | 249 |
| Average earning assets | $2,694,168,330 | 247 |
| Average equity | $305,266,000 | 270 |
| Average total loans | $2,228,729,000 | 218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 4,180 |
| Cost of funding earning assets | 1.0376% | 1,758 |
| Net interest margin | 3.3974% | 5,135 |
| Noninterest income to average assets | 0.8540% | 1,931 |
| Noninterest expense to average assets | 1.9269% | 6,595 |
| Loan and lease loss provision to assets | 0.1095% | 3,983 |
| Net operating income to assets | 1.3042% | 1,448 |
| Return on assets (ROA) | 1.2576% | 1,752 |
| Pretax return on assets | 1.8874% | 905 |
| Return on Equity (ROE) | 12.1479% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.1026% | 1,950 |
| Net charge-offs to loans | 0.2583% | 2,637 |
| Credit loss provision to net charge-offs | 55.4092% | 3,193 |
| Earnings coverage of net charge-offs (x) | 10.4535% | 1,754 |
| Efficiency ratio | 48.2080% | 6,790 |
| Assets per employee ($millions) | 6.0707% | 1,238 |
| Cash dividends to net income (ytd only)* | 33.3006% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3658% | 1,562 |
| Loan loss allowance to noncurrent loans | 144.4606% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 3,939 |
| Noncurrent loans to loans | 1.6377% | 3,647 |
| Net loans and leases to total assets | 73.7961% | 1,096 |
| Net loans and leases to deposits | 87.6388% | 1,214 |
| Net loans and leases to core deposits | 100.4952% | 959 |
| Total domestic deposits to total assets | 84.2049% | 4,395 |
| Equity capital to assets | 10.3610% | 3,657 |
| Core capital (leverage) ratio | 10.2449% | 3,058 |
| Tier 1 risk-based capital ratio | 12.3569% | 5,715 |
| Total risk-based capital ratio | 13.6192% | 5,667 |
| Memoranda: | ||
| Average total assets | $2,917,897,500 | 249 |
| Average earning assets | $2,696,206,500 | 245 |
| Average equity | $302,076,000 | 267 |
| Average total loans | $2,233,331,500 | 217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 4,222 |
| Cost of funding earning assets | 1.1068% | 2,626 |
| Net interest margin | 3.5984% | 4,740 |
| Noninterest income to average assets | 0.8001% | 2,061 |
| Noninterest expense to average assets | 1.9180% | 6,805 |
| Loan and lease loss provision to assets | 0.4977% | 2,117 |
| Net operating income to assets | 1.1800% | 1,569 |
| Return on assets (ROA) | 1.1687% | 1,715 |
| Pretax return on assets | 1.7396% | 912 |
| Return on Equity (ROE) | 11.3527% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.6829% | 1,196 |
| Net charge-offs to loans | 0.2509% | 4,209 |
| Credit loss provision to net charge-offs | 255.2247% | 944 |
| Earnings coverage of net charge-offs (x) | 11.5591% | 1,709 |
| Efficiency ratio | 45.9259% | 7,047 |
| Assets per employee ($millions) | 5.9864% | 1,236 |
| Cash dividends to net income (ytd only)* | 32.3253% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 1,480 |
| Loan loss allowance to noncurrent loans | 135.1865% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 3,827 |
| Noncurrent loans to loans | 1.7661% | 3,512 |
| Net loans and leases to total assets | 75.6647% | 996 |
| Net loans and leases to deposits | 90.4715% | 1,100 |
| Net loans and leases to core deposits | 99.7309% | 1,203 |
| Total domestic deposits to total assets | 83.6337% | 4,483 |
| Equity capital to assets | 10.3438% | 3,720 |
| Core capital (leverage) ratio | 10.0177% | 3,317 |
| Tier 1 risk-based capital ratio | 12.1298% | 5,741 |
| Total risk-based capital ratio | 13.3925% | 5,709 |
| Memoranda: | ||
| Average total assets | $2,772,835,600 | 260 |
| Average earning assets | $2,598,295,600 | 246 |
| Average equity | $285,438,600 | 273 |
| Average total loans | $2,155,055,400 | 223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 4,136 |
| Cost of funding earning assets | 1.1222% | 2,816 |
| Net interest margin | 3.6487% | 4,570 |
| Noninterest income to average assets | 0.8062% | 2,027 |
| Noninterest expense to average assets | 1.9503% | 6,785 |
| Loan and lease loss provision to assets | 0.5295% | 1,867 |
| Net operating income to assets | 1.1627% | 1,774 |
| Return on assets (ROA) | 1.1517% | 1,925 |
| Pretax return on assets | 1.7292% | 1,082 |
| Return on Equity (ROE) | 11.2020% | 1,790 |
| Retained earnings to average equity (ytd only) | 7.5930% | 1,666 |
| Net charge-offs to loans | 0.2395% | 3,923 |
| Credit loss provision to net charge-offs | 284.2984% | 1,006 |
| Earnings coverage of net charge-offs (x) | 12.2144% | 1,730 |
| Efficiency ratio | 46.1117% | 7,054 |
| Assets per employee ($millions) | 5.9194% | 1,260 |
| Cash dividends to net income (ytd only)* | 32.2170% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,567 |
| Loan loss allowance to noncurrent loans | 156.6011% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 4,248 |
| Noncurrent loans to loans | 1.5208% | 3,998 |
| Net loans and leases to total assets | 75.5918% | 1,040 |
| Net loans and leases to deposits | 90.5640% | 1,151 |
| Net loans and leases to core deposits | 105.1068% | 913 |
| Total domestic deposits to total assets | 83.4678% | 4,494 |
| Equity capital to assets | 10.4218% | 3,799 |
| Core capital (leverage) ratio | 10.1902% | 3,202 |
| Tier 1 risk-based capital ratio | 12.1546% | 5,775 |
| Total risk-based capital ratio | 13.4173% | 5,757 |
| Memoranda: | ||
| Average total assets | $2,744,683,250 | 263 |
| Average earning assets | $2,571,812,250 | 249 |
| Average equity | $282,181,750 | 274 |
| Average total loans | $2,134,653,750 | 226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 3,951 |
| Cost of funding earning assets | 1.1229% | 3,085 |
| Net interest margin | 3.7074% | 4,223 |
| Noninterest income to average assets | 0.7927% | 2,059 |
| Noninterest expense to average assets | 2.0015% | 6,787 |
| Loan and lease loss provision to assets | 0.6254% | 1,532 |
| Net operating income to assets | 1.1038% | 1,862 |
| Return on assets (ROA) | 1.0887% | 1,997 |
| Pretax return on assets | 1.6165% | 1,233 |
| Return on Equity (ROE) | 10.6394% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.0306% | 1,863 |
| Net charge-offs to loans | 0.2122% | 3,868 |
| Credit loss provision to net charge-offs | 378.2822% | 796 |
| Earnings coverage of net charge-offs (x) | 13.6947% | 1,528 |
| Efficiency ratio | 46.8763% | 7,118 |
| Assets per employee ($millions) | 5.7722% | 1,324 |
| Cash dividends to net income (ytd only)* | 33.9190% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3825% | 1,618 |
| Loan loss allowance to noncurrent loans | 137.1725% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 4,010 |
| Noncurrent loans to loans | 1.7369% | 3,833 |
| Net loans and leases to total assets | 76.9265% | 928 |
| Net loans and leases to deposits | 92.2233% | 1,033 |
| Net loans and leases to core deposits | 109.0052% | 758 |
| Total domestic deposits to total assets | 83.4133% | 4,580 |
| Equity capital to assets | 10.4364% | 3,593 |
| Core capital (leverage) ratio | 9.9528% | 3,320 |
| Tier 1 risk-based capital ratio | 12.1348% | 5,679 |
| Total risk-based capital ratio | 13.3973% | 5,643 |
| Memoranda: | ||
| Average total assets | $2,718,390,330 | 267 |
| Average earning assets | $2,546,365,000 | 252 |
| Average equity | $278,153,670 | 278 |
| Average total loans | $2,117,387,330 | 232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 3,788 |
| Cost of funding earning assets | 1.0947% | 3,560 |
| Net interest margin | 3.7610% | 3,796 |
| Noninterest income to average assets | 0.7415% | 2,309 |
| Noninterest expense to average assets | 2.0306% | 6,773 |
| Loan and lease loss provision to assets | 0.8258% | 1,009 |
| Net operating income to assets | 0.9707% | 2,279 |
| Return on assets (ROA) | 0.9383% | 2,473 |
| Pretax return on assets | 1.3629% | 1,835 |
| Return on Equity (ROE) | 9.2633% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.7679% | 2,769 |
| Net charge-offs to loans | 0.4020% | 2,491 |
| Credit loss provision to net charge-offs | 265.2771% | 1,186 |
| Earnings coverage of net charge-offs (x) | 7.1814% | 1,988 |
| Efficiency ratio | 47.5493% | 7,132 |
| Assets per employee ($millions) | 5.9183% | 1,252 |
| Cash dividends to net income (ytd only)* | 37.7338% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,755 |
| Loan loss allowance to noncurrent loans | 132.2859% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4521% | 4,087 |
| Noncurrent loans to loans | 1.7415% | 3,899 |
| Net loans and leases to total assets | 74.8902% | 1,205 |
| Net loans and leases to deposits | 89.6788% | 1,269 |
| Net loans and leases to core deposits | 110.0275% | 719 |
| Total domestic deposits to total assets | 83.5094% | 4,698 |
| Equity capital to assets | 10.0789% | 3,673 |
| Core capital (leverage) ratio | 10.0694% | 3,071 |
| Tier 1 risk-based capital ratio | 12.0380% | 5,654 |
| Total risk-based capital ratio | 13.2993% | 5,638 |
| Memoranda: | ||
| Average total assets | $2,712,468,000 | 268 |
| Average earning assets | $2,542,107,000 | 255 |
| Average equity | $274,762,000 | 278 |
| Average total loans | $2,100,313,500 | 232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 4,494 |
| Cost of funding earning assets | 1.2067% | 4,524 |
| Net interest margin | 3.8061% | 3,913 |
| Noninterest income to average assets | 0.8580% | 2,019 |
| Noninterest expense to average assets | 1.9788% | 7,058 |
| Loan and lease loss provision to assets | 0.9066% | 1,803 |
| Net operating income to assets | 1.0181% | 1,974 |
| Return on assets (ROA) | 0.9781% | 2,226 |
| Pretax return on assets | 1.4717% | 1,446 |
| Return on Equity (ROE) | 9.8540% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.7564% | 1,957 |
| Net charge-offs to loans | 0.5378% | 3,460 |
| Credit loss provision to net charge-offs | 217.4430% | 1,390 |
| Earnings coverage of net charge-offs (x) | 5.8493% | 2,516 |
| Efficiency ratio | 44.7484% | 7,391 |
| Assets per employee ($millions) | 5.7362% | 1,403 |
| Cash dividends to net income (ytd only)* | 41.5831% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 1,966 |
| Loan loss allowance to noncurrent loans | 121.8975% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 4,040 |
| Noncurrent loans to loans | 1.7619% | 3,869 |
| Net loans and leases to total assets | 76.5468% | 1,171 |
| Net loans and leases to deposits | 93.1144% | 1,135 |
| Net loans and leases to core deposits | 112.5082% | 788 |
| Total domestic deposits to total assets | 82.2073% | 5,123 |
| Equity capital to assets | 10.1816% | 3,520 |
| Core capital (leverage) ratio | 9.8071% | 3,305 |
| Tier 1 risk-based capital ratio | 11.8241% | 5,632 |
| Total risk-based capital ratio | 13.0834% | 5,621 |
| Memoranda: | ||
| Average total assets | $2,641,456,800 | 269 |
| Average earning assets | $2,470,304,400 | 262 |
| Average equity | $262,178,000 | 287 |
| Average total loans | $2,047,855,600 | 234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 4,778 |
| Cost of funding earning assets | 1.1957% | 4,888 |
| Net interest margin | 3.8122% | 3,923 |
| Noninterest income to average assets | 0.8323% | 2,068 |
| Noninterest expense to average assets | 1.9848% | 7,077 |
| Loan and lease loss provision to assets | 0.8827% | 1,724 |
| Net operating income to assets | 1.0119% | 2,194 |
| Return on assets (ROA) | 1.0000% | 2,351 |
| Pretax return on assets | 1.5105% | 1,585 |
| Return on Equity (ROE) | 10.1420% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.6230% | 3,246 |
| Net charge-offs to loans | 0.4904% | 3,314 |
| Credit loss provision to net charge-offs | 232.7190% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.3558% | 2,539 |
| Efficiency ratio | 45.1068% | 7,422 |
| Assets per employee ($millions) | 5.8636% | 1,332 |
| Cash dividends to net income (ytd only)* | 54.4170% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0410% | 2,120 |
| Loan loss allowance to noncurrent loans | 162.3237% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 4,945 |
| Noncurrent loans to loans | 1.2573% | 4,752 |
| Net loans and leases to total assets | 74.4328% | 1,705 |
| Net loans and leases to deposits | 88.6495% | 1,920 |
| Net loans and leases to core deposits | 116.3544% | 735 |
| Total domestic deposits to total assets | 83.9630% | 4,150 |
| Equity capital to assets | 9.9294% | 4,253 |
| Core capital (leverage) ratio | 9.8212% | 3,460 |
| Tier 1 risk-based capital ratio | 11.6717% | 5,759 |
| Total risk-based capital ratio | 12.9299% | 5,725 |
| Memoranda: | ||
| Average total assets | $2,632,114,000 | 269 |
| Average earning assets | $2,460,240,250 | 260 |
| Average equity | $259,535,750 | 287 |
| Average total loans | $2,035,928,500 | 235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 4,859 |
| Cost of funding earning assets | 1.1840% | 5,213 |
| Net interest margin | 3.8349% | 3,737 |
| Noninterest income to average assets | 0.7885% | 2,179 |
| Noninterest expense to average assets | 1.9858% | 7,137 |
| Loan and lease loss provision to assets | 0.8652% | 1,681 |
| Net operating income to assets | 1.0020% | 2,192 |
| Return on assets (ROA) | 0.9882% | 2,323 |
| Pretax return on assets | 1.5054% | 1,547 |
| Return on Equity (ROE) | 10.0466% | 2,094 |
| Retained earnings to average equity (ytd only) | 4.9855% | 2,909 |
| Net charge-offs to loans | 0.5901% | 2,755 |
| Credit loss provision to net charge-offs | 188.4043% | 2,094 |
| Earnings coverage of net charge-offs (x) | 5.2063% | 2,724 |
| Efficiency ratio | 45.3243% | 7,468 |
| Assets per employee ($millions) | 5.6116% | 1,524 |
| Cash dividends to net income (ytd only)* | 50.3766% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,680 |
| Loan loss allowance to noncurrent loans | 121.6078% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 4,774 |
| Noncurrent loans to loans | 1.4921% | 4,466 |
| Net loans and leases to total assets | 76.8223% | 1,327 |
| Net loans and leases to deposits | 94.7699% | 1,179 |
| Net loans and leases to core deposits | 125.5994% | 526 |
| Total domestic deposits to total assets | 81.0620% | 5,382 |
| Equity capital to assets | 10.0013% | 4,022 |
| Core capital (leverage) ratio | 9.7450% | 3,482 |
| Tier 1 risk-based capital ratio | 11.5610% | 5,710 |
| Total risk-based capital ratio | 12.8165% | 5,676 |
| Memoranda: | ||
| Average total assets | $2,606,488,000 | 273 |
| Average earning assets | $2,438,852,670 | 259 |
| Average equity | $256,385,330 | 287 |
| Average total loans | $2,028,441,670 | 239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 5,032 |
| Cost of funding earning assets | 1.1592% | 5,611 |
| Net interest margin | 3.8380% | 3,631 |
| Noninterest income to average assets | 0.7590% | 2,243 |
| Noninterest expense to average assets | 1.9621% | 7,227 |
| Loan and lease loss provision to assets | 0.8522% | 1,491 |
| Net operating income to assets | 1.0027% | 2,171 |
| Return on assets (ROA) | 0.9856% | 2,300 |
| Pretax return on assets | 1.5124% | 1,485 |
| Return on Equity (ROE) | 10.1056% | 2,065 |
| Retained earnings to average equity (ytd only) | 4.1602% | 3,652 |
| Net charge-offs to loans | 0.2518% | 3,436 |
| Credit loss provision to net charge-offs | 436.1484% | 955 |
| Earnings coverage of net charge-offs (x) | 12.2368% | 1,583 |
| Efficiency ratio | 45.0243% | 7,590 |
| Assets per employee ($millions) | 5.6528% | 1,540 |
| Cash dividends to net income (ytd only)* | 58.8327% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,714 |
| Loan loss allowance to noncurrent loans | 112.5596% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 4,655 |
| Noncurrent loans to loans | 1.6038% | 4,340 |
| Net loans and leases to total assets | 75.5088% | 1,642 |
| Net loans and leases to deposits | 94.4517% | 1,301 |
| Net loans and leases to core deposits | 124.4708% | 635 |
| Total domestic deposits to total assets | 79.9444% | 5,798 |
| Equity capital to assets | 9.7669% | 4,151 |
| Core capital (leverage) ratio | 9.8647% | 3,323 |
| Tier 1 risk-based capital ratio | 11.5727% | 5,604 |
| Total risk-based capital ratio | 12.8277% | 5,571 |
| Memoranda: | ||
| Average total assets | $2,593,816,500 | 283 |
| Average earning assets | $2,428,863,000 | 271 |
| Average equity | $252,969,500 | 293 |
| Average total loans | $2,013,063,500 | 252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 6,184 |
| Cost of funding earning assets | 1.5142% | 5,458 |
| Net interest margin | 3.5577% | 4,707 |
| Noninterest income to average assets | 0.9015% | 1,931 |
| Noninterest expense to average assets | 2.1431% | 7,096 |
| Loan and lease loss provision to assets | 0.8644% | 2,581 |
| Net operating income to assets | 0.8325% | 2,404 |
| Return on assets (ROA) | 0.8258% | 2,517 |
| Pretax return on assets | 1.2206% | 1,902 |
| Return on Equity (ROE) | 8.7727% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.5196% | 2,091 |
| Net charge-offs to loans | 0.4184% | 4,132 |
| Credit loss provision to net charge-offs | 265.3899% | 1,323 |
| Earnings coverage of net charge-offs (x) | 6.4310% | 2,366 |
| Efficiency ratio | 50.3738% | 7,517 |
| Assets per employee ($millions) | 5.5756% | 1,584 |
| Cash dividends to net income (ytd only)* | 48.4819% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,309 |
| Loan loss allowance to noncurrent loans | 98.7165% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 4,488 |
| Noncurrent loans to loans | 1.6136% | 4,235 |
| Net loans and leases to total assets | 77.0884% | 1,568 |
| Net loans and leases to deposits | 103.7444% | 659 |
| Net loans and leases to core deposits | 138.4168% | 862 |
| Total domestic deposits to total assets | 74.3061% | 6,974 |
| Equity capital to assets | 9.7384% | 4,090 |
| Core capital (leverage) ratio | 9.9009% | 3,192 |
| Tier 1 risk-based capital ratio | 11.4211% | 5,484 |
| Total risk-based capital ratio | 12.6737% | 5,445 |
| Memoranda: | ||
| Average total assets | $2,452,804,200 | 299 |
| Average earning assets | $2,300,101,000 | 293 |
| Average equity | $230,885,800 | 312 |
| Average total loans | $1,909,345,000 | 274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 6,375 |
| Cost of funding earning assets | 1.6123% | 5,348 |
| Net interest margin | 3.4588% | 5,039 |
| Noninterest income to average assets | 0.9253% | 1,885 |
| Noninterest expense to average assets | 2.1630% | 7,068 |
| Loan and lease loss provision to assets | 0.8226% | 2,318 |
| Net operating income to assets | 0.8089% | 2,778 |
| Return on assets (ROA) | 0.7999% | 2,880 |
| Pretax return on assets | 1.1745% | 2,342 |
| Return on Equity (ROE) | 8.5763% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.4571% | 2,783 |
| Net charge-offs to loans | 0.3564% | 3,861 |
| Credit loss provision to net charge-offs | 297.0203% | 1,394 |
| Earnings coverage of net charge-offs (x) | 7.2577% | 2,441 |
| Efficiency ratio | 51.6289% | 7,439 |
| Assets per employee ($millions) | 5.3785% | 1,727 |
| Cash dividends to net income (ytd only)* | 48.0294% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,542 |
| Loan loss allowance to noncurrent loans | 98.3695% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 4,643 |
| Noncurrent loans to loans | 1.5056% | 4,398 |
| Net loans and leases to total assets | 77.5404% | 1,663 |
| Net loans and leases to deposits | 105.0743% | 704 |
| Net loans and leases to core deposits | 149.3719% | 590 |
| Total domestic deposits to total assets | 73.7959% | 6,988 |
| Equity capital to assets | 10.0452% | 4,034 |
| Core capital (leverage) ratio | 10.1419% | 3,126 |
| Tier 1 risk-based capital ratio | 11.6550% | 5,289 |
| Total risk-based capital ratio | 12.9063% | 5,226 |
| Memoranda: | ||
| Average total assets | $2,423,412,500 | 314 |
| Average earning assets | $2,275,500,000 | 306 |
| Average equity | $226,029,000 | 323 |
| Average total loans | $1,883,298,500 | 292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 6,656 |
| Cost of funding earning assets | 1.7309% | 5,119 |
| Net interest margin | 3.3066% | 5,530 |
| Noninterest income to average assets | 0.9537% | 1,745 |
| Noninterest expense to average assets | 2.1942% | 7,068 |
| Loan and lease loss provision to assets | 0.7850% | 2,124 |
| Net operating income to assets | 0.7464% | 3,060 |
| Return on assets (ROA) | 0.7453% | 3,171 |
| Pretax return on assets | 1.0729% | 2,728 |
| Return on Equity (ROE) | 8.2073% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.4159% | 2,840 |
| Net charge-offs to loans | 0.3458% | 3,455 |
| Credit loss provision to net charge-offs | 293.3582% | 1,592 |
| Earnings coverage of net charge-offs (x) | 6.9472% | 2,525 |
| Efficiency ratio | 53.9257% | 7,341 |
| Assets per employee ($millions) | 5.1127% | 1,955 |
| Cash dividends to net income (ytd only)* | 46.1950% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,103 |
| Loan loss allowance to noncurrent loans | 127.3669% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 5,285 |
| Noncurrent loans to loans | 1.0435% | 5,131 |
| Net loans and leases to total assets | 77.5188% | 1,859 |
| Net loans and leases to deposits | 107.3042% | 691 |
| Net loans and leases to core deposits | 146.3550% | 745 |
| Total domestic deposits to total assets | 72.2421% | 7,212 |
| Equity capital to assets | 10.0184% | 3,915 |
| Core capital (leverage) ratio | 10.0693% | 3,221 |
| Tier 1 risk-based capital ratio | 11.7796% | 5,122 |
| Total risk-based capital ratio | 12.9847% | 5,083 |
| Memoranda: | ||
| Average total assets | $2,408,305,000 | 324 |
| Average earning assets | $2,257,443,000 | 319 |
| Average equity | $218,709,000 | 347 |
| Average total loans | $1,863,382,670 | 302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 7,046 |
| Cost of funding earning assets | 1.8755% | 4,765 |
| Net interest margin | 3.0797% | 6,258 |
| Noninterest income to average assets | 0.9213% | 1,771 |
| Noninterest expense to average assets | 2.0742% | 7,183 |
| Loan and lease loss provision to assets | 0.7492% | 1,723 |
| Net operating income to assets | 0.6952% | 3,582 |
| Return on assets (ROA) | 0.6952% | 3,768 |
| Pretax return on assets | 0.9797% | 3,425 |
| Return on Equity (ROE) | 8.0696% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.5486% | 2,845 |
| Net charge-offs to loans | 0.4231% | 2,407 |
| Credit loss provision to net charge-offs | 230.6435% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.3223% | 2,696 |
| Efficiency ratio | 54.3166% | 7,192 |
| Assets per employee ($millions) | 5.4348% | 1,621 |
| Cash dividends to net income (ytd only)* | 31.2411% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,150 |
| Loan loss allowance to noncurrent loans | 103.5236% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 4,997 |
| Noncurrent loans to loans | 1.1072% | 4,771 |
| Net loans and leases to total assets | 75.5277% | 2,385 |
| Net loans and leases to deposits | 94.2638% | 2,226 |
| Net loans and leases to core deposits | 134.7283% | 1,374 |
| Total domestic deposits to total assets | 80.1238% | 5,320 |
| Equity capital to assets | 9.7146% | 4,360 |
| Core capital (leverage) ratio | 10.1600% | 3,236 |
| Tier 1 risk-based capital ratio | 11.7626% | 5,157 |
| Total risk-based capital ratio | 12.7982% | 5,259 |
| Memoranda: | ||
| Average total assets | $2,410,969,500 | 325 |
| Average earning assets | $2,256,074,500 | 317 |
| Average equity | $207,693,500 | 356 |
| Average total loans | $1,851,149,500 | 303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 6,236 |
| Cost of funding earning assets | 2.6178% | 3,590 |
| Net interest margin | 3.2420% | 6,232 |
| Noninterest income to average assets | 1.0266% | 1,506 |
| Noninterest expense to average assets | 2.1130% | 7,205 |
| Loan and lease loss provision to assets | 0.4611% | 2,989 |
| Net operating income to assets | 0.9649% | 2,722 |
| Return on assets (ROA) | 0.9661% | 2,592 |
| Pretax return on assets | 1.4280% | 1,875 |
| Return on Equity (ROE) | 12.0256% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.0375% | 840 |
| Net charge-offs to loans | 0.4276% | 2,679 |
| Credit loss provision to net charge-offs | 142.7952% | 3,713 |
| Earnings coverage of net charge-offs (x) | 5.8449% | 3,512 |
| Efficiency ratio | 52.5872% | 7,422 |
| Assets per employee ($millions) | 5.3280% | 1,611 |
| Cash dividends to net income (ytd only)* | 33.1634% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,791 |
| Loan loss allowance to noncurrent loans | 88.5945% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 4,489 |
| Noncurrent loans to loans | 1.1609% | 4,208 |
| Net loans and leases to total assets | 76.3744% | 2,525 |
| Net loans and leases to deposits | 96.1908% | 2,417 |
| Net loans and leases to core deposits | 121.4264% | 2,564 |
| Total domestic deposits to total assets | 79.3989% | 5,241 |
| Equity capital to assets | 7.4823% | 7,395 |
| Core capital (leverage) ratio | 7.9712% | 6,538 |
| Tier 1 risk-based capital ratio | 9.1636% | 7,651 |
| Total risk-based capital ratio | 10.1015% | 7,915 |
| Memoranda: | ||
| Average total assets | $2,213,629,000 | 328 |
| Average earning assets | $2,030,453,600 | 323 |
| Average equity | $177,828,600 | 407 |
| Average total loans | $1,671,525,600 | 322 |